Unoccupied Property Insurance for Executries and Clients in Long Term Care 


The availability of easy-to-arrange insurance in the case of unoccupied properties for deceased or elderly clients has long been a source of concern for solicitors, executors and family members.  Berkeley Heritage Insurance has found a solution to this problem that has proved invaluable to a number of practices. Placed by Berkeley Heritage into Lloyd’s of London, the policy provides cover for buildings, contents and valuables on an all risks basis while providing access to a team of professional insurance brokers. This scheme removes the professional risk for solicitors and places it wholly in the hands of Berkeley Heritage Insurance.

Berkeley Heritage Insurance    

Berkeley Heritage is a division of Berkeley Insurance Group – the fifth largest chartered insurance broker in the United Kingdom.  For solicitors, the Unoccupied Property Scheme is aimed at the specific needs of this sector. In working with Lyon & Turnbull, a more rounded service can be provided in meeting the needs of private client departments.

Limited Conditions

Competing products are often full of hidden warranties and conditions and/or serviced by remote call centres with no continuity of relationship. Berkeley Heritage’s cover has the following requirements:

  • Theft is restricted to violent or forcible entry or exit
  • The property must be inspected every 14 days and a visit record kept
  • Heating must be conserved at 10 degrees Celsius or the water system drained from 1st November to 31st March
  • Subsidence is granted within the cover  for up to eight weeks following inception subject to insurers receiving a report from a qualified surveyor
  • Existing theft protections must be fully operational
  • £250 all sections excess - £1000 in the event of subsidence

Lyon & Turnbull Services 

As a complement to the core insurance provision, Lyon & Turnbull is able to act quickly to reduce the risk for all stakeholders by identifying items of value and removing them to safe storage. All risks cover remains in place both in transit and in storage.

In addition, while carrying out this initial valuation, Lyon & Turnbull can assist in the discovery and location of documentation such as share certificates and building society passbooks and, although not qualified surveyors, give an indication of the state of the property’s security.

Premium Levels

The scheme operates a very simple rating structure. There is a minimum premium of £500 plus Insurance Premium Tax and an administration fee of £35.00.

Proccess to Attach Cover

Solicitors, trustees, executors and holders of powers of attorney can effect cover and it is easy to contact the Berkeley Heritage team via the contact points below. One of the team will take you through the information required and cover can be effected  the same day. This removes the sometimes tortuous process that is entailed in dealing with insurance companies directly while there is an absolute guarantee that the policy is in place according to the agreed conditions.

Contact Details

Email -

Donna Sutton - 0116 261 4762 / 07889 087894
Tom Palmer - 0116 261 4738      
Nyree Hawes - 0116 261 4740

Ian Burrell represents Berkeley Heritage Insurance in Scotland – 07796 171620

Berkeley Heritage is a division of Berkeley Insurance Group UK Ltd., Authorised and Regulated by the Financial Conduct Authority