Probate Property Insurance.

Cover can only be arranged if you are acting in a professional capacity on behalf of lay executors, guardians, attorneys or deputies.

Although our online portal is for residential properties only, quotations can be provided for commercial property by email. In the event of such an enquiry, please contact a member of our team who will be able to assist.

If you do not have sufficient funds to pay the premium, you can defer payment until the property is sold. Please let us know on a case-by-case basis if you would like to defer settlement.

Under English law, you owe a duty to make a fair presentation of the risk to the insurer. You have a duty to disclose to the insurer every material circumstance which you know or ought to know after a reasonable search or which is sufficient to put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. In addition, you have a duty to disclose information in a clear and accessible manner.

A circumstance is material if it would influence a prudent insurer’s judgment in determining whether to take the risk and, if so, on what terms.

Failure to disclose a material circumstance may entitle an insurer to:
in some circumstances, avoid the policy from inception and in this event any claims under the policy would not be paid; impose different terms on your cover; and/or
proportionately reduce the amount of any claim payable.

This duty applies:

before your cover is placed;
when it is renewed; and
at any time that it is varied.