Far from standard.

Unoccupied (ROI)

Unoccupied Residential Homes

Main Features of Cover

Cover can be provided from a choice of 3 levels, on a policy wording based on the Lloyd's of London approved home insurance policy.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.

Buildings & Contents Standard Cover

Fire, lightning, explosion or earthquake
Aircraft and other flying devices or items dropped from them
Subsidence or heave of the site on which the buildings stand or landslip
Storm, flood or weight of snow
Collision by any vehicle or animal
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and their fittings and masts (buildings only)
Falling trees, telegraph poles or lamp-posts
Escape of water from or frost damage to fixed water tanks, apparatus or pipes (limited to €7,500)
Escape of oil from a fixed domestic oil-fired heating installation or smoke damage caused by a fault in any fixed domestic heating installation (limited to €7,500)
Theft or attempted theft (limited to €7,500)
Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously (limited to €7,500)

Buildings Additional Cover (automatically included)

Accidental Damage to Fixtures & Fittings
Accidental Damage to services
Professional Fees & Expenses
Sale of the Property
Replacement Locks (limited to €2,500)
Unauthorised use of Electricity Gas or Water (limited to €2,500)
Garden, Plants & Shrubs (limited to €1,000, €250 per plant, tree or shrub) ✔  ✔ 
Fire Brigade Charges (limited to €2,000) ✔  ✔ 
Loss of Metered Water (limited to €1,000)
Trace & Access (limited to €5,000)
Loss of Oil (limited to €1,000)
Damage by Emergency Services (limited to €1,000)
Security Expenses (limited to €5,000)

Contents Additional Cover (automatically included)

Replacement Locks (limited to €2,500)
Loss of Metered Water (limited to €1,000)
Loss of Oil (limited to €1,000)

© Copyright @ 2020 Plum Underwriting Ltd. All rights reserved.
Plum Underwriting Ltd is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 50 Fenchurch Street, London, EC3M 3JY. Company number 04509589.

Powered by

Website design by Frontmedia
Our accreditations