Probate Pro

Unoccupied probate property insurance for specialist probate law firms.

  • No Compulsory Inspections
  • No requirement to drain down water systems
  • Quote and Issue Cover in less than 2 minutes
  • No fees to issue, cancel or change a policy
  • Only pay for the time the property is on cover
Probate Pro Inspection Free

Exclusive to Insuristic and designed for specialist law firms

Simplifying Unoccupied Property Insurance for Busy Probate Professionals

We know how busy probate and estate administration specialists are.

Advising your clients on the need for insurance, sourcing quotes, and arranging cover can be time-consuming, particularly if the property isn’t in good repair, is listed, or has other features that make arranging insurance more complex.

But even for straightforward properties, arranging insurance takes up too much time.  And when you have placed insurance, are you confident that the policy won’t catch anyone out, meaning a claim might not be paid and all the problems that go with that?

Sometimes, extending the existing insurance arranged by the deceased might seem easier, but that can cause issues if the cover is reduced or conditions that are difficult to comply with are applied.  After all, any underinsurance could result in a Professional Indemnity Insurance claim for your firm.

In addition, you must ensure that common conditions like water system drain-downs and inspections are implemented and complied with.

If there is a claim, this, too, can suck up a lot of your time.  Preparing a claim, contacting, and chasing insurers to get a fair settlement for your client keeps you from valuable legal work.

But there is an easier way that can instantly streamline how you provide insurance and free up your team’s time.

The Solution: Probate Pro

Insuristic has developed Probate Pro to resolve these issues for you and your busy team instantly.

Instead of spending hours sourcing quotes and checking policy coverage, you can arrange cover in two minutes or less with Insuristic.

Probate Pro has been purposely designed to help law firms provide better insurance coverage for their clients, with minimal questions to answer and cover that is unlikely to catch you out.

Here are some of the benefits of using Probate Pro:

  • A Rated Insurers.
  • Insure property with a rebuild sum insured up to £750,000 without referral.
  • £10,000 contents cover as standard. Option to extend cover up to £30,000 without referral.
  • No security questions.
  • No property inspections.
  • No compulsory water system drain down. Escape of Water cover is capped at £10,000 where systems aren’t drained.
  • No fees to issue, cancel or change the policy.
  • Only pay for the time the property is on cover.
  • No interest charge if you want to pay monthly.

If you want to find out more, why not arrange a meeting?

How does Probate Pro work?

To use Probate Pro, you must sign a terms of business agreement with Insuristic and commit to insuring a minimum of 50 policies a year, or if that is unachievable, a commit to use Insuristic exclusively.

In return, each member of your team will receive access to our secure online portal, where you can get quotes and issue policies.

You can also run reports to see outstanding quotes and ensure all the policies you need are on cover, as well as live policies, cancellations, and lapses.  

Paying for policies is also easy. You don’t need to pay immediately to issue cover. Instead, you will receive an account statement for settlement each month.

Insurance Broking Support

Suppose a property has features that require referral to the underwriter, such as the rebuild value is higher than £750,000, it's in a poor state of repair, in a flood area or has non-standard features. In that case, you will have the full support of our FCA principals’ insurance broking team at SJL Insurance.

SJL Insurance will source quotations from several leading insurance providers on your behalf, provide advice, and recommend which policy to choose to ensure you and your clients have appropriate insurance cover. This will save your team a lot of time.

In addition, if the estate has other property insurance requirements, such as it is occupied or tenanted, our SJL Insurance team can help source appropriate cover.

Claims Support

If there is a claim, you can relax.

You will have full access to our dedicated claims team at SJL Insurance.  Your claims account managers will provide advice, help you prepare the claim, arrange any loss adjuster surveys and negotiate a fair settlement with insurers.

How else can Insuristic help you?

We know arranging legal indemnity insurance during probate can also suck up a lot of your time, and it can be challenging to offer this cover to all of your clients to protect your PI.

So take a look at Insuristic Estate Protect.  All of our Probate Pro partners will have access to this product:

  • Suitable for estates with no known issues up to £3m.
  • Arrange Missing Will, Missing Beneficiary, Early Distribution and Section 27 Insurance in approximately 40 seconds.
  • Pricing at least 30% less than we can achieve directly from our insurer partner.
  • There is no need to arrange Section 27 notices when Section 27 Insurance is arranged. Section 27 Insurance can often be cheaper while also protecting the beneficiaries.
  • Genealogy Reports are not required for estates under £350,000 requiring Missing Beneficiary Insurance. All we need is a verified family tree going back three generations.
  • Underwriting support for cases with known issues.

Arrange a Teams meeting to find out more or sign up.

About the Author

Rob Faulkner CEO of Insuristic

Hi, I'm Rob, CEO and Founder of Insuristic. My mission is to make insurance easier to understand and buy online.

I hold an Advanced Diploma in Insurance (ACII) which demonstrates I have a solid technical understanding of Insurance and have committed to continuous professional development. I am also a member of the Chartered Insurance Institute and hold the a Chartered Insurance Broker status.

Over the last 27 years, I have worked for insurers, insurance brokers and insurance technology businesses, specialising in product, sales and marketing.

You can find out more about me on my author page.

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Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599.  This can be checked by visiting https://register.fca.org.uk/s/

Registered Office: Unit 2, 262 Walsall Road, Cannock, England, WS11 0JL.  Registered in England and Wales No: 13926650. 

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