Specialist Probate House Insurance
Adrian Flux offers simple to understand probate cover, with policies that could provide pro rata cancellations and refunds, 30-day inspection periods, optional contents insurance and much more. All probate home insurance policies can be managed directly by solicitors, cutting down on work and worry for executors.
Why Do You Need Home Insurance During Probate?
Most standard home insurance policies will be voided if you leave a home unoccupied for more than 30 days, making them unsuitable for use during lengthy probate proceedings. Without getting specialist ’empty house’ insurance during probate you could be leaving your property unprotected against vandalism and break-ins, risking additional cost and complication.
If a house is unoccupied for longer than a policy’s allowed time, standard policies will often either be voided or have their protection reduced down to FLEEA cover. FLEEA, standing for fire, lightening, earthquake, explosion and aircraft damage insurance, provides a basic level of cover without protection against theft, storm damage, escape of water and other common risks.
The Benefits of Adrian Flux Probate Insurance
Home insurance during probate from Adrian Flux is available at two different cover levels, both available with optional contents insurance included. Standard insurance provides the full range of FLEEA covers, whilst Full Empty Property Cover also includes insurance for many more of the risks you care about, including:
- Storm and flood damage
- Escape of water and oil
- Theft
- Malicious damage and vandalism
- Riots, strikes and civil commotion
- Subsidence or landslip
- Impact damage
- Falling trees and telegraph poles
Probate is usually a short-term situation, and our policies can be designed with this in mind with cover from some of our insurers able to be cancelled on a pro rata basis. Pro rata cancellation means that you only pay for the number of days’ cover you actually need and use, rather than paying for full months – potentially saving you money compared to standard cancellation scales.
Once probate has ended you can transfer your home insurance to other types of policy too, making it easy to switch your cover over to a standard permanent policy, let home policy or any other cover needed once ownership has been changed. If you choose a policy offering pro rata cancellation terms, you will have the flexibility to quickly make changes to a home’s insurance after probate clears, whilst policy refunds can help fund a new policy in the owner’s name.
In addition to higher levels of cover and pro-rata cancellations, we can also offer more generous inspection periods than is common amongst our competitors. Whilst many insurers will insist on 14 day, or even 7 day, inspections, some of our empty property insurance policies only require an inspection every 30 days – providing greater cover and saving on time and hassle for executors.
Get a Probate House Insurance Quote
Probate House Insurance Key Features
The key features of our probate house insurance policies can include:
- Two levels of cover:
- Standard FLEEA cover
- Full Cover including theft, storm and vandalism insurance
- Some of our policies offering 30-day inspection periods
- Pro rata policy cancellation and refunds on some policies
- Contents insurance options on all policies
- Policies can dealt with directly by solicitors
As the UK’s largest specialist insurance broker, Adrian Flux has decades of experience helping people to insure empty properties. Our highly trained staff in the UK can assess your insurance needs on an individual basis, getting you the exact cover you need at a price you can afford.
To get more information on our policies for home insurance during probate, call us today on or complete the callback form above with your telephone number.
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
