Q: Our current block insurance contains an “unoccupancy” clause. Coverage is conditional on no flats being unoccupied for more than 30 days unless the insurer agrees in writing to cover excess unoccupancy. In practice, individual residents can be absent from their flats for longer periods. Is FPRA aware of any block policies which accept longer periods of unoccupancy without special agreement? Does FPRA have other experiences to share?
FPRA Insurance Expert Belinda Thorpe replies:
Most specialist flats policies only apply the unoccupancy clause if all flats are unoccupied. So if your flats all become unoccupied for over 30 days at the same time then they would need to notify their Insurers and cover may be limited. In reality though, I have not seen this happen in 20 years. There are multiple providers of flats insurance policies that provide cover in this way.