• 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.

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  • Property information

  • Has the property ever suffered from:

  • 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.

  • Use of insured property

    Details of the property's configuration and occupants:
  • 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.

  • Third party interest

  • Cover required

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

  • Disclosure and claims

    Has the insured:
  • Should be Empty: