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Re: IGI Insurance

Date: 25 Mar 2003
Time: 09:28:39
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Here at IGI we were very intertested to read Mr Righton's comments and were disturbed to find that he had misunderstood the terms and conditions of our policy. Unoccupied properties are covered outside of 30 days but minimal cover applies (theft and malicous acts are excluded) if the property is waiting for a tenant to move in and the property is not expected to be unoccupied for more than a 30-day period, then they have full cover so long as it can be proven that a tenancy agreement had been made and that the property had been inspected during the period where a tenant was waiting to move in. The property is deemed unoccupied when it exceeds 30 days and our definition in the policy wording states - "The home is unnocupied when : It does not have enough furnishings for normal use as a home: or it has not been lived in for more than 30 days in a row. Clearly Mr Righton would have enjoyed cover had his property only been vacant for a 24-hour period. For more details on this and other IGI policies, please visit

Last changed: March 25, 2003