We're sorry for your loss and understand this can be a very difficult time. We will do our best to help and make the process as easy as possible for you.


Please use the form below to send us the information we need. Or if you prefer, you can contact our Live Chat team through our Virtual Assistant. Click here to get in touch

Before you start we want to make you aware that if you are not the executor we will need you to upload a copy of the death certificate (pdf, doc, jpg or png) when completing this form.

Please also note that if the property is unoccupied all valuables must be removed as cover restrictions will apply. For more information please see our FAQs on if a home is unoccupied.

Please complete all fields with a* as these are mandatory.

Policy Holder Details:

Your details

Please provide your name, as we may need to contact you briefly to discuss the details further.

Are you the Executor?

An Executor is a person or institution, authorised by a testator to carry out the terms of their will. If you are not the executor we will need you to provide us with the death certificate, using the upload option below.

If you are not the Executor please upload the death certificate below. When attaching documents please make sure the attachment is legible and either a pdf, doc, jpg or png.

If the policy is cancelled refunds may be due and we will need to send you postal confirmation documents and any refunds via a cheque.

Please provide your contact number, as we may need to contact you briefly to discuss this further. This will not be used for marketing purposes.

Please tell us what you'd like to do with the buildings and/or contents cover, by selecting the options below.

Buildings cover*

If you select cancel - we will process the cancellation and send out confirmation documents.

Contents cover*

If you select cancel - we will process the cancellation and send out confirmation documents.

Is the home unoccupied?*

If the property has become unoccupied and will be unoccupied for 60 days or more, then cover restrictions will apply from today. For full details of cover changes, please refer to the policy booklet.

Unoccupied is defined as a home not lived in or intended to be lived in for more than 60 consecutive days.

Has probate passed?*

If probate has already passed we will need to cancel the current insurance policy.

Have any valuables been removed from the home?*

By valuables, we mean items such as jewellery, watches, antiques, works of art, collectors’ items, furs, precious stones and anything made from precious metals such as gold. All valuables must be removed from the property whilst it is unoccupied, as cover restrictions will apply.

Is there any building work on going or planned?*

Is the property unfurnished?*

Unfurnished is defined as a home with not enough furniture to be fully lived in.

Please enter the characters you can see in the box below.

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FAQs: What to do if a home is unoccupied?

We’re sorry for your loss and we understand this can be a very difficult time for you. To help make it easier you can report a bereavement online. We’ll update this for you and get in touch by email with any changes to the cover. Please note we can only change the address we write to if you are the Executor.

When the policy holder's home is going to be unoccupied for 60 days in a row or unfurnished, the following cover is excluded from all sections of the policy from today:

  • Theft or attempted theft
  • Escape of water
  • Escape of oil
  • Vandalism
  • Accidental loss of oil or metered water
  • Optional accidental damage cover
  • Optional personal belongings cover

In addition, all valuables should be removed from the property whilst it is unoccupied.

If any of the Optional Extra products were included on the policy, these will be removed or restricted (please refer to the policy wording for full details of cover)

Whilst the home is unoccupied it needs to be checked internally and externally once a week.

As the property will be unoccupied for 60 days or more, we will continue to cover the property but cover will be reduced from now, with the following exclusions applying:

  • Theft or attempted theft
  • Escape of water
  • Escape of oil
  • Vandalism
  • Accidental loss of oil or metered water
  • Optional accidental damage cover
  • Optional personal belongings cover

In addition, all valuables should be removed from the property whilst it is unoccupied.

If any of the optional extra products were included on the policy, these will be removed or restricted (please refer to the policy wording for full details of cover).

If the policy holder has the optional accidental damage cover or the cover for when you take items away from the home (shown on the documents as ‘personal belongings cover’) these will also be removed.

Whilst the home is unoccupied it needs to be checked internally and externally once a week.

View Ageas Home Insurance Policy Booklet

After probate has passed, please let us know and we will cancel the policy. The new legal owner can get another quote with us but just so you know we can’t cover new policies whilst the home is up for sale if this is what you choose to do.

No, in most circumstances we are not able to cover an unoccupied property past the renewal date. We are happy, though, to provide the details for Towergate, a specialist company who may be able to help. You can contact them on 0344 346 1403.

If, however, the policyholder has passed away less than 4 weeks prior to renewal date we are able to offer cover past the renewal date until either probate passes or the next years renewal date (whichever is soonest).

We don’t offer a specialist unoccupancy policy but if you do need more cover, we are happy to provide the details for Towergate, a specialist company who may be able to help, you can contact them on 0344 346 1403.

During cold weather you should consider keeping the heating on in case pipes freeze, as this could lead to burst frozen pipes. If heating is to be left off then the tanks, systems and pipes should be drained down.

Whilst the home is unoccupied it needs to be checked internally and externally once a week.

We can change the policy into a new name as long as that person was already living at the property and is a legal owner and permanent resident of the home.
Our team will be happy to help you with this, just get in touch via LiveChat or please call us on 0345 165 5758.

We will need you to provide a copy of the death certificate if you are not the executor. The easiest way to do this is to upload a pdf, jpg, doc or png file using the form above.