Insurance evidence check

Has the insurer accepted the property's actual occupancy route?

Tell the insurer about the current vacancy, intended tenancy, property type, and separate purchase option. Ask for written confirmation of cover, conditions, exclusions, security requirements, and the date occupancy changes the policy position. Do not assume ordinary home insurance, historic landlord cover, or a lender's response answers the insurer's questions.

Reviewed 9 September 2026 · England route

Insurance is contract-specific. ABI guidance notes that an insurer may need to know when a home stays unoccupied for an extended period because vacancy can affect risk and cover. Moving from empty to occupied is another material operational change that should be described accurately using the intended tenancy date and occupant arrangement.

The purchase option does not transfer ownership at move-in, but it can affect how the arrangement is understood by insurers, lenders, and solicitors. Ask the insurer to consider the actual documents or a solicitor-approved summary. A quote, renewal email, or policy schedule that never considered the route is weak evidence.

Which insurance details should be recorded?

Keep a current record that can be checked at publication and again before key handover. Never upload unnecessary claim histories or personal applicant data to a public surface.

Insurer, policy number, insured parties, property address, renewal date, and relevant buildings or landlord cover sections.
Date the property became empty, current inspections and security measures, utilities status, and any renovation work.
Accurate description of intended tenancy, likely occupancy date, household structure, and separate future purchase option.
Written response confirming whether cover continues, changes, or requires endorsements, additional premium, inspections, or security steps.
Named exclusions, excesses, notification duties, rent-related cover boundaries, and any lender or freeholder insurance coordination.

A practical insurer-check sequence

Give insurer enough information before treating the property as route-ready. Recheck when occupancy changes.

Read policy conditions for vacancy, letting, tenant type, building works, change of use, and notification duties.
Tell the insurer the current position and intended route in writing, without claiming a future sale is certain.
Ask whether the policy, endorsement, inspection schedule, or security conditions must change before marketing or occupation.
Share the response with the solicitor and lender where their conditions depend on compatible insurance.
Record final pre-handover confirmation and calendar any inspection, notification, or renewal requirement.

When should insurance readiness remain blocked?

Insurer declines cover or has not considered the property's current vacancy and intended occupation.
Required vacancy inspections, security measures, repairs, endorsements, or premium changes are incomplete.
Policyholder, property, occupancy description, lender interest, or insured use is inaccurate.
Insurer response conflicts with lender, freeholder, or solicitor requirements.

Platform boundary

What Move to Own UK does

Move to Own UK records whether relevant insurance evidence exists and can block publication when it does not. It is not an insurance intermediary, does not recommend cover, compare policies, assess claims, or guarantee that a future loss will be paid.

Common questions

Is landlord insurance legally required?

Requirements depend on law, mortgage, lease, contract, and property. The route requires compatible evidence, but Move to Own UK does not state which product a landlord should buy.

Does insurance for an empty property continue after move-in?

Do not assume so. Vacancy and occupation can trigger different conditions. Ask the insurer to confirm the transition and effective date in writing.

Primary sources

Property intake

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