About Insuristic:
The Probate & Property Insurance Specialists

Welcome, and thank you for visiting Insuristic!

We are the UK’s only specialist probate insurance and unoccupied home insurance broker with an online quote-and-buy solution for both members of the public and law firms.

Our mission is simple: to make insurance easy to understand, accessible, and transparent.

We don’t provide off-the-shelf policies. Instead, every Insuristic policy is designed to fit the specific needs of our market. This often means broader cover and competitive pricing that isn’t easily compared, which is why you won’t find us on comparison websites.

By working directly with us, you find cover at the right price without hidden commissions, admin fees, or cancellation charges.

Insuristic was founded in 2022 with a vision to simplify unoccupied home insurance. However, after our founder, Rob Faulkner, lost his mother unexpectedly, he saw firsthand how confusing and siloed the probate insurance market was.

• There was a lack of clear guidance for executors and administrators.
• Insurance options were limited, expensive, or difficult to arrange.
• Many lay executors were unaware of their lifetime personal liability risks when administering and distributing an estate.

Rob realised that the probate market needed a specialist digital insurance broker, one that not only provides comprehensive cover but also educates executors on the risks they face.

We've built Insuristic to make insurance faster, smarter, easier to understand and buy.  We are not a generalist; we chose to specialise in probate and property insurance, and design our own products working in partnership with our chosen underwriters.  Our specialist approach means a deeper underwriting and content focus, which means you will usually find everything you need to know about the risks you face on our website and in our quote journey.

This is reflected in our Trustpilot reviews.

We never want you to buy the wrong policy or misunderstand a policy condition, which could prejudice a claim.

Here is what makes us different:

• Exclusive property policies you won't find elsewhere. Our Unoccupied Home Insurance, Probate Property Insurance, and solicitor schemes (Probate Pro, Unoccupied Care Pro) are designed by Insuristic to address the specific risks associated with probate and unoccupied property. They aren't available through comparison sites or via other insurance brokers.
• Market Firsts in Probate Legal Indemnity Insurance:
  • In January 2025, with the launch of Estate Protect Direct, Insuristic became the only UK insurance broker to offer online quote-and-buy probate legal indemnity insurance to both lay executors and solicitors.  Other online solutions exist for solicitors, but Estate Protect Direct is the first to make Missing Will, Missing Beneficiary, Section 27, and Early Distribution cover available directly to lay executors and administrators online — policies that previously could only be arranged through a solicitor or by manual application via an insurance broker.
  • Section 27 Insurance for lay clients: Insuristic is the first UK provider to let lay executors and administrators arrange Section 27 Insurance online — without expensive Gazette notices, and without the 2-month delay they cause. The policy protects both the personal representatives and the beneficiaries.
  • Accessible Missing Beneficiary Insurance: Many intestate estates are small, but still could have a missing beneficiary risk given the complexity of intestate estates.  In January 2024, Insuristic became the first provider in the UK to waive the need for a full genealogy report for estates under £350,000.  All you need is a genealogist-verified family tree (which we can help you arrange for free), going back at least two stems (generations) in England and Wales, or three in Scotland, produced within the last 12 months.
• No Administration Fees: We will never charge you a policy fee at new business or renewal.  We will also never charge you a fee to change a policy mid-term.  Many insurance brokers will charge you for both.
• No cancellation fees and pro-rata refunds on cancelled claim-free unoccupied property policies. If your circumstances change and you need to cancel your policy and you haven't claimed against it, you get a pro-rata refund of the unused premium, which means you only pay for the cover you use. No admin charges, no cancellation penalties — an approach that's still rare in the unoccupied and probate insurance market.
• Specialist-only focus. We don't write standard home insurance or general property cover. Probate and unoccupied property are all we do, which means deeper underwriting expertise and policies built around the actual risks our clients face.
• Underwritten by A Rated Insurers:
  • All our property policies are underwritten by SJL (Worcester) Ltd on behalf of Lloyd's Syndicate 4444 (Canopius), A-rated security backed by one of the world's most respected insurance markets.
  • Our legal indemnity insurance policies are underwritten by CLS Property Insight on behalf of Great Lakes Insurance SE, part of the Munich Re Group, one of the world's largest reinsurance organisations.

Insuristic is a leading provider of probate and unoccupied home insurance, offering solutions for solicitors, probate professionals, and private individuals.

Our Policy Range Includes:

• Unoccupied Home Insurance – For properties between tenants, left empty due to sale, renovation, or when the owner is in care.
• Land Insurance: Public liability insurance for landowners and estates in probate.

Insurance for private individuals acting as an executor or administrator of an estate in probate:

• Probate Property Insurance – Protection for unoccupied property during every stage of the probate process.
• Estate Protect Direct - Our specialist Probate Legal Indemnity Insurance policy that allows you to buy the following cover, either standalone or as part of a package:
  • Early Distribution Insurance – Insurance protection from Inheritance Act-related claims following the early distribution of an estate.
  • Section 27 Insurance – Protection against claims from creditors who were unknown at the time the estate was distributed.
  • Missing Will Insurance – Protection from a claim resulting from the discovery of another Will after the estate was distributed.
  • Missing Beneficiary Insurance – Protection for claims from unknown or known beneficiaries after the estate was distributed.

Insurance for Solicitors

We’ve designed exclusive solutions to make probate and unoccupied property insurance easier for Solicitors:

• Probate Legal Indemnity Insurance – Estate Protect is our specialist policy for law firms that enables them to quote & issue policies, such as Missing Will, Missing Beneficiary, Early Distribution, and Section 27 Insurance, in just 60 seconds, with savings of 30-50% over open-market rates.
• Probate Pro – Inspection-free unoccupied property insurance, competitively priced with broad cover and no compulsory water system drain-downs. Issue policies in under a minute.
• Unoccupied Care Pro – Specialist cover for solicitors acting as attorneys or deputies, with the same broad protection as Probate Pro.

Whether you own property, act as an executor or administrator, or work for a solicitor, Insuristic has a specialist policy to protect your risks.

Still unsure?

• Learn about our Underwriting Partners.
• Check out our Trustpilot reviews to see why our customers trust us.