• Commercial Express: Unoccupied Commercial Property

  • Proposal / statement of fact

  • Insured

  • It is essential that you make fair presentation of the risk that should include a full and unrestricted disclosure including every material fact and circumstance (a material fact or circumstance is material if it would influence the judgement of the Underwriter when considering whether to accept the risk and /or the assessment of the terms, conditions or premium which should be applied).

    If you are unsure in any way that your disclosure is complete you should check with your insurance advisor.

    In the event you fail to make a full unrestricted disclosure Underwriters may refuse to pay your claim, pay only part of your claim, and /or void your policy.

    This statement will be considered together with the presentation of risk that you and your insurance advisor have provided to the Underwriter.

    If the answers or information you have provided change during the period of insurance you should notify your insurance advisor as soon as reasonably possible as Underwriters may be unable to continue with cover.

  • Date of Birth*
     / /
    2 digit month, 2 digit day, 4 digit year
  •  :

  • Property information

  • Is the whole building to be insured under this policy?
  • b) Is in a good state of repair?
  • c) has composite panelling?
  • d) is built of brick, stone, metal or concrete and roof made with slate, tiles , metal, concrete or flat roofed with asphalt, bitumen or concrete?
  • e) has a flat roof?
  • f) has a listed building status?
  • g) has been inspected by the Fire Authority?
  • Have all the Fire Authority Requirements been met?

  • Has the property ever suffered from:

  • a) Flooding in an area troubled by flooding?Please note that flood cover is only available if the property is fully occupied or wider perils have been selected.
  • b) subsidence, landslip or heave or in an area troubled by subsidence, landslip or heave?
  • Is the property to be demolished?
  • Has planning permission been refused at the premises?

  • Definition of standars renovation

    Internal painting and decorating, tiling, replacement of bathroom and/ or kitchen fixtures and fittings including sinks, wash basin, W.C, bathroom and shower, carpeting, internal joinery, plastering, central heating installation and external window replacement.

  • Is there any structural work to take place outside the definition of standard renovation (above)

  • Use of insured property

    Details of the property's configuration and occupants:
  • If there is any residential section to the property, does it account for 70% or more of the total premises area?

  • Please note that if a Restaurant where more than 15% of turnover is from the takeaway aspect, then this should be rated as a Takeaway

  • Wider perils defined as fire, lightming, explosion, aircraft or other aerial devices or articles dropped therefrom, subsidence, landslip, heave, riot, civil commotion, strikers, locked out workers, persons taking part in labour disturbances, malicious persons, earthquake, storm, flood or impact by any road vehicle or animal, falling trees, branches and falling aerials unless otherwise stated in the conditions of this certificate.

  • Has the property previously been used as a place of worship, school, college, public house, or any licenced premises?
  • Has the property been unoccupied for more than 3 years?
  • Are you unsure as to the suitability of the risk or is there more than one trade in the property?
  • Does the trade exactly match the trade your property is used for?

  • Third party interest

  • Does the insured need to note the interest of an interested party?

  • Cover required

  • Is Accidental Damage Cover for Buildings required? (not available if unoccupied or certain trades)
  • Is cover required for terrorism?

  • Excesses (unless excluded or amended in the special conditions)

  • Disclosure and claims

    Has the insured:
  • a) ever had insurance cover refused or cancelled or special terms imposed?
  • b) or insured family member ever been convicted or cautioned with any criminal offence, other than driving offences?
  • c) ever had any claims or incidents at these or any other premises in the last 5 years?
  • d) ever been prosecuted under the Health and Safety at Work Act?
  • e) ever been declared bankrupt or been a director of any company that went into liquidation?
  • f) any County Court Judgements or arrangements with creditors outstanding?
  • Should be Empty: