With a wealth of expertise in underwriting unoccupied property risks, we appreciate the specialist requirements for such properties and how difficult they are to place with your usual insurance markets. Our product, Unoccupied Protect offers a flexible underwriting approach with competitive premiums.

Features & Benefits

Specified Wording (as detailed below)
AA- rated security
Thoughtful underwriting approach ensures that we are able to offer wider perils than most insurers
Option to cover for short term 3 or 6 month policies or annual policies
Specialist knowledge of the industry
Exclusive wording only available through Dual Oliva
Fast turnaround times coupled with contract certain terms ready to send to your clients
Ability to write rebuilds of up to £5M
Option of FLEEA only or Wider Perils
Property Owners Liability up to £5M
Loss of Advanced Rent cover for pre-agree rental contracts subject to type of property

Targeted Trades

  • Houses, flats, apartments, bungalows and other residential properties
  • Offices
  • Shops
  • Factories & Warehouses
  • Other commercial properties
  • Public Houses (subject to criteria)
  • Properties undergoing works (subject to criteria)

We are unable to consider

  • Places of Worship
  • Schools & Educational Establishments
  • Nightclubs
  • Thatched Properties
  • Properties which are to be demolished

Key Contacts

Linda Bichener

Regional Manager


01234 408 689 Email Linda

Adrian Barnes

Senior Underwriter - Specialist


01234 298 434 Email Adrian

Michelle Townsend

Senior Underwriter - Specialist


01234 298 408 Email Michelle

Kayleigh Franklin

Underwriter - Specialist


01234 298 327 Email Kayleigh

Emilia Amoroso

Underwriter - Specialist


01234 408 696 Email Emilia

Lauren Bacon

Assistant Underwriter - Specialist


01234 311 155 Email Lauren