Competitive Business Car Insurance


If you are needing insurance for a business owned car such as a pool car then look no further. As business and pool car specialists, we can cover any vehicle and are specialists in this field.
Empty Commercial Property Insurance Backed By ‘Exceptional’ Service
Want to save money on your empty commercial property insurance? Let Coversure’s unoccupied commercial property insurance specialists compare our markets to find you the right policy.
Whether you need cover for a few weeks while a property is awaiting a new tenant or several months while it’s undergoing renovation, call us today on 01482 434343 or request a callback and let our award-winning team help you get the protection you need.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Unoccupied Commercial Property Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or start your unoccupied commercial property insurance quote today.


Fleet Insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of business fleet insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

Why do you need Unoccupied Commercial Property Insurance?
Empty commercial property insurance, unoccupied commercial property insurance or vacant commercial building insurance, as it’s also known, protects business premises when they become vacant. If premises are left empty for a time, sometimes for as little as 30 consecutive days, then your standard commercial property insurance cover may be reduced or even become invalid. This is because when commercial properties are left vacant, the risks from things like burglary, vandalism, flood, or fire rise significantly.
To find out more, call us on 01482 434343, request a callback or start your unoccupied commercial property insurance quote today.
What Is Empty Commercial Property Insurance?
Empty commercial property insurance, unoccupied empty commercial property insurance or vacant commercial building insurance, as it’s also known, protects business premises when they become vacant. If premises are left empty for a time – sometimes for as little as 30 consecutive days – then your standard commercial property insurance cover may be reduced or even become invalid. This is because when commercial properties are left vacant the risks from things like burglary, vandalism, flood, or fire rise significantly. We can find you great value unoccupied commercial property insurance that covers threats such as:
Fire
Lightning
Explosion
Flood
Eathquake
Storm
Theft or attempted theft
Malicious damage
Vandalism
Escape of water
Subsidence
Impact

What to look for in a Business Fleet Insurance policy?
Every fleet owner’s needs are different, and we’ll take the time to know your business’s needs before providing you with a fleet insurance quote.
The flexibility to add and remove drivers and vehicles as you need to
A flexible level of excess – the amount you pay in the event of a claim
An any driver option
Discounts for drivers over 25 or 30 years of age
Uninsured loss recovery insurance up to £100,000
Discounts for additional vehicles
Cover that’s underwritten by major UK insurers and wholesalers – offshore providers can be cheaper, but the risks can be significantly higher
An amount of cover for radios and entertainment equipment
A competitive amount of excess on broken windscreen claims
Call us today on 0800 977 6037 and let our award-winning team help you.
What types of Unoccupied Property Insurance are there?
There are three main types of unoccupied property cover, and we can offer you all three:
F.L.E.E.
This which covers basic threats such as fire, lightning, explosion, and earthquake insurance
Restricted wider perils
This is a policy that covers a limited number of perils for an empty property. These policies are often taken out when a property is empty for a longer period, such as more than three months, and covers perils such as fire, lightning, explosion, earthquake, and aircraft or impact
Wider perils
Offers the broadest level of protection and can include things like fire, storms, floods, subsidence, heave, or landslip, water damage from burst pipes or escaping water, theft of contents and forced entry damage, vandalism, property owners’ liability insurance, and legal expenses should squatters move in, and you need to go to court to have them evicted
Which level of short-term unoccupied building insurance is right for you is a question of the level of risk you’re prepared to take. In most instances, we recommend taking out wider perils unoccupied property insurance as the level of cover is so comprehensive.
Benefits
What are the benefits of Fleet Insurance?
There are many benefits to having this type of policy in place, the principal ones begin that you could:
Save Money
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Save Time
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Flexibility
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Enjoy greater flexibility
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Cover for complex driving risks
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.

Cover from leading insurers, household names such as Aviva, LV and Royal Sun Alliance.

A wide range of business, property, and commercial vehicle policies under one roof.

A local personal service that’s available over the phone, online, or face to face.
Independent help and advice from experienced professionals who put your needs first.
What types of properties can Empty Commercial Property Insurance cover?
Empty property insurance through Coversure can cover a wide range of properties, including:
Shops
Factories
Restaurants, cafes and bars
Offices
Warehouses
Properties undergoing renovation
Properties under construction
Premises on the market awaiting sale
Premises awaiting planning permission
How much does Empty Property Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your unoccupied property insurance quote will depend on things like:
Your property’s postcode
How long it will be empty for
The market value of the property
What type of property you have
The rebuild costs of the property
The level of security at your property
It’s rebuild valuation – not the market value, but the cost of rebuilding it should it be accidentally destroyed
If there are any contents, and if so, what they are and the value
Whether it’s at risk from flooding
Whether it will be left vacant during the autumn and winter months when risks such as burst pipes are higher
The level of excess you’re willing to pay
How often the property will be visited
Its condition/state of repair
How to get cheaper Unoccupied Commercial Property Insurance?
This is a question we get asked a lot and the good news is there are several easy ways to potentially get cheaper short-term unoccupied commercial property insurance, including:
Increase your excess, the amount you pay in the event of a claim
Use an independent insurance broker that specialises in empty property insurance
Pay regular visits or have someone inspect the property – this may be a condition of getting cover
Leave the utilities connected and put lights on timers
Invest in security measures such as web-based burglar alarms, security lights, window locks and locks on gates
Have the post collected regularly and the grass cut
Cut back any trees that are overhanging the property
Make sure it’s secure with no broken locks, or windows, and that garden gates, shed and garage doors are locked
Remove all valuables from the property
Remove any fly posting from the windows
The number of vehicles you have
What kind they are, e.g. cars, vans, trucks or a mixed vehicle fleet
The nature of your business
Who will be driving your vehicles
Your claims history and the age of your drivers
Whether you want a named or any driver policy
Your level of no claims bonus
Whether you want to pay monthly or annually – annually will usually prove cheaper
The mileage you do
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01476 565 590.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
Empty commercial property insurance is a complex area of cover and you’re likely to have questions about it. To help you get the answers and the protection you need, here are our empty property insurance frequently asked questions. We hope they’ll be of use, but if you’d like some personalised, independent help, please get in touch with us on 01482 434343 or request a callback. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
No, but it makes a lot of financial sense as if your property is left empty for a long period, you could find yourself with little or no protection with your standard commercial property insurance policy
As long as you need it to. While It’s called short-term unoccupied building insurance a policy can last for weeks, months or even longer
Yes, as soon as the building becomes occupied you can cancel your policy, and we’ll arrange a refund on the remains of the policy’s duration
Yes, the most common ones being:
- Most insurers will insist on regular visits being made to the building. These don’t have to be made by the owner, it just needs to be frequently inspected
- Insurers will want you to remove any valuables
- It needs to be in good condition. If it is not secure – e.g. with broken windows or missing doors – it’s unlikely that you’ll find cover
- If it’s vacant during the winter, insurers may ask that the heating be left on to reduce the risk of burst pipes or they may also agree to the system being drained
Some insurers may insist upon security measures such as burglar alarms, window grills, CCTV or even security guards for commercial properties
Yes, usually the following won’t be covered:
- Loss or damage because of unforced entry e.g. when windows or doors are left open/unlocked
- Damage caused by major works, e.g. by the building of extensions/ structural repairs
- Damage caused by contractors
- Non-accidental damage
We can offer cover for all sorts of empty commercial property, from shops to offices, renovated premises to premises under construction. and industrial units. To find out more, please call us on 01482 434343
That will depend on things such as the type of property you have, where it is, its level of security, how long it will be empty for, whether anyone will be able to inspect it, and the rebuild costs
Getting a quote is easy. You can call us on 01482 434343, request a callback or get your empty property insurance quote here
Yes, we can insure electric vehicles, including cars, vans and even trucks.