Specialist Insurance

Probate Insurance isn’t a single policy; it’s an umbrella term covering several distinct risks during estate administration:

Probate Property Insurance: designed to protect the personal representatives from personal liability, with the choice of broad cover, 30-day inspections, and no administration or cancellation fees.

When you are ready to distribute the estate, consider our legal indemnity cover (arranged individually or combined on our Estate Protect Direct policy).

The cover protects both the personal representatives and beneficiaries forever, with zero excess to pay if a claim is made.

Early Distribution Insurance: Distribute the estate without having to wait for 6 months post-grant with protection against Inheritance (Provision for Family and Dependants) Act 1975 claims.
Section 27 Insurance: protects against claims from unknown creditors.
Missing Will Insurance: protects against claims following the discovery of another Will.
Missing Beneficiary Insurance: commonly purchased by administrators of intestate estates, to protect against the risk of claims from an unknown or untraceable beneficiary.

To make this easier for you, we have written these guides; pick the one that matches the estate's situation:

We also have pages that explain your risks and how you can protect yourself in addition to insurance. Each of the following should be considered early in the process and before you apply for probate:

Searching for a Will – whether you have a Will, or the estate is intestate, you should always conduct a thorough search to ensure you are applying for probate on the right basis. It is also a requirement when purchasing Missing Will Insurance.
Credit and liability reports – a free report from providers like Experian or Equifax will help you identify all the liabilities the deceased had. It doesn’t guarantee everything will be picked up, so combine with Section 27 Insurance and get a sizeable discount for getting the report.
Appointing a genealogist – If there isn’t a Will, the rules of intestacy are complex. If you also want to arrange Missing Beneficiary Insurance, you will need a genealogist's report to evidence there are no known risks.

Our Unoccupied Home Insurance is designed to help you insure short-or long-term empty homes. Commonly arranged when the property is empty:

pending sale
during property renovations
When the owner has moved into a care home
Unoccupied Landlords Insurance when the property is empty between tenants
When the owners are away travelling.

If the property owner has passed away, consider our Probate Property Insurance policy instead.

Insuristic can help you arrange non-standard home insurance for unique or non-traditional properties. Cover is typically required for:

Listed buildings
Predominantly flat roofs
Timber-frame construction
Non-standard wall and roof materials (such as thatch, green roofs, shingle or prefabricated systems).
Properties with previous flood, subsidence or structural issues.

We don’t offer online quotes for these risks, as tailoring the cover requires specialist advice across a panel of niche insurers. Complete our quick form and a specialist will call you back to discuss your property and find the right cover.

As a landowner, you have a duty of care to protect anyone on your land (with or without your permission) from sustaining injury or damage to their property.

If the land isn’t in the title of your home, then you will need a specialist land insurance policy.

This cover is commonly required for:

A private road
Carparks
Development land
Grazing or pastureland
Moorland or rough country

We don’t offer quotes online because land can be complex if there are hazards on the land, such as water, or if it generates revenue. Complete our quick form and a specialist will call you back to discuss your land and find the right cover.

Insuristic Customer Reviews

"Such a find! Specialist insurance company who know what they are talking about… Quick response to enquiry. Easy to communicate with — email and phone calls. Very competitive policy prices with different levels of cover. Outstrips all the other insurance companies I tried."

Jane

"Restored my faith in insurance companies. I was overcome with relief right from when I made the initial enquiry, through to the quotation bit, and then to the provision of the insurance (at a very reasonable rate)… Rob & his team were the ultimate professionals, efficient & did what they said, when they said and it was really great to deal with real people."

Lorraine

"Company response to request for an insurance quote was immediate, clear and easy to understand. Any queries I had after on the policy or payment — anything, Rob answered quickly and thoroughly and personably. Loads of patience!"

L Morgan

"They were knowledgeable and professional throughout our interaction. The information provided was clear and easy to understand. Plus, they followed up exactly as scheduled."

Gari

"Excellent Service provided by open honest company. The website is easy to use, the pricing structure is clear and transparent from the outset. Policies can be cancelled when they are no longer needed without having to pay cancellation charges, and the unused portion is refunded without having to chase it."

Mel

"The company knows what it is doing, and values potential customers. There is a great deal of info online, in text and video format. I had some issues making a payment but was provided with timely assistance even well outside of office hours."

Andrew

These reviews are published on Trustpilot by customers who needed to insure an empty house.

Common Questions About Insuristic, Answered

Our mission is to make insurance simple to understand and easy to buy. We focus on getting you the right protection without unnecessary costs:

Clear, plain-English guidance: We break down complex insurance covers across our website so you can make confident, informed decisions.
No hidden fees: We will never charge you administration fees upfront, or penalise you with charges if you need to cancel. Our earnings come from a fair, transparent commission that is clearly detailed in our terms of business agreement.
Advice if you need it:
- For quote and buy policies: request support at any time by replying to a quote email, starting an online chat or visiting our customer support page.
- For complex cover: We never force complex risks into an automated quote engine. Complete our quick form, and a specialist will contact you to provide advice and review the market.

Above all, our priority is helping you to access the right policy for your situation and guide you on what you need to do to keep your cover valid - so there are no issues if you need to make a claim.

You can read independent feedback on our Trustpilot page, where we are rated 5 stars. What stands out most is how often clients take the time to leave long, thorough reviews detailing their personal experience with us.

Trustpilot's own AI summary highlights the recurring themes across our feedback:

Support during stressful times: Consistently prompt, empathetic assistance when dealing with difficult situations like probate or estate administration.
Specialist expertise: Clear, plain-English guidance when setting up unoccupied property and niche insurance policies.
A fair, honest approach: An easy setup process backed by zero administration or early cancellation fees.

Visit our Trustpilot page to read the reviews for yourself.

Completing your quote information on multiple insurer, broker and comparison websites is not only time-consuming but frustrating. Our ‘Tell Us Once’ service eliminates this frustration and works in both of the following scenarios:

If an online quote refers to the underwriter: Your quote details will be sent directly to the underwriter for a manual review. If it is accepted under our scheme, we will email your quotation immediately for you to review and buy securely online. If not, the underwriter will contact you directly to provide terms or find an alternative from a panel of insurers – saving you from shopping around. There are very few situations we can’t cover using this approach.
For complex insurance policies: Complete our quick form to connect with a specialist from Insuristic or our broking partner, SJL Insurance Services. An expert will provide clear advice and, where appropriate, conduct a market review to find you the right cover.

We can arrange cover across the UK, subject to the type of policy that you need:

England, Scotland and Wales: All property, land, legal indemnity and business insurance policies are available.
Northern Ireland: We can only provide our Legal Indemnity Insurance policies, provided the estate's assets are solely located in the UK.
Channel Islands & the Isle of Man: We cannot provide cover in these locations.

Yes. Whilst our website highlights our most popular products, we can help you source cover for a range of specialist, niche and non-standard insurance policies.

If you need cover that isn’t listed, request a call back via our customer support page and include brief details of what you need. We will get back to you promptly with options for how to proceed.

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