Unoccupied Care Pro

Unoccupied Property Insurance for Clients Who Lack Capacity

Specialist cover for solicitors acting as a Professional Attorney or Deputy.
  • Quote and Issue Cover in less than 2 minutes
  • No Compulsory Inspections
  • No requirement to drain down water systems
  • No fees to issue, cancel or change a policy
Watch our video: Getting a Quote for Unoccupied Property Insurance
Free to use, unlimited users, no contract and no minimum commitment.

Not a Solicitor? If you are looking after a relative’s empty home while they lack capacity or are in care, you'll want our Unoccupied Home Insurance page. You can get a quote in under 2 minutes.

The best way to arrange insurance for an empty property when your client lacks capacity

As a deputy or professional attorney responsible for managing your client’s property and financial affairs, you need to arrange suitable insurance quickly, efficiently, and with confidence.

We understand your challenges

Extending a client’s existing home insurance can seem easiest, but it often adds impractical conditions such as frequent inspections or water system drain-downs.

Many clients are underinsured, creating serious issues when a claim arises — and in some cases, extending this insurance can make your firm liable for the shortfall.

Sourcing the right policy is time-consuming, and cover and conditions vary widely between insurers, making it difficult to assess which policies your firm can realistically comply with.

Managing a claim is equally demanding; preparing documentation, contacting insurers, and following up on updates all consume valuable time that could be spent on legal work.

But there’s an easier way with Unoccupied Care Pro — streamlining how you provide insurance and freeing up your team’s time.

The Solution: Unoccupied Care Pro

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

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

Unoccupied Care Pro has been designed to help law firms (when acting as an attorney or deputy for their clients) provide better insurance cover, with minimal questions to answer and conditions that are unlikely to catch you out.

Key Benefits of Unoccupied Care Pro

A Rated Insurers.

No property inspections.

No security questions. You're unlikely to know what locks are on the windows and doors, so we just need to know that the property is secure.

No compulsory water system drain down. Escape of Water cover is capped at £10,000 where systems aren’t drained (subject to the Winter Condition between 1st October & 31st March).

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.

Only pay for the time the property is on cover (providing there have been no claims).

No fees to issue, cancel or change the policy.

Solicitor relaxing after using Unoccupied Care Pro.

Work Smarter – Protect What Matters

Unoccupied Care Pro makes it easy to protect your client’s property, meet your duty of care, and cut administrative risk.

It streamlines insurance for homes left empty when your client has lost capacity, saving you time, reducing compliance exposure, and giving you confidence that every property is covered correctly.

How does it work?

1. Log in

View all your team’s quotes and policies, documents and reports.

2. Get a quote

Enter a few basic property details, with no questions to catch you out.

3. Choose cover

Choose 3, 6, 9 or 12 months, with no fees to cancel.

4. Issue cover

Documents are issued instantly and stored in your portal.

Most firms complete the entire process in approximately two minutes

Most solicitors don’t need any training — the portal is simple to use from your very first quote. If you do need help, just email us at any time and we’ll guide you through it.

Support when you need it

Insurance Broking Support

For anything outside the portal, SJL Insurance’s broking team takes over.

  • Referrals handled: rebuild over £750,000, poor repair, flood areas, non-standard features
  • Quotes from several leading insurers, with advice on which to choose
  • Cover for your client’s property if it becomes occupied or tenanted

Claims Support

If there is a claim, you can relax.

  • A dedicated SJL claims team helps you prepare the claim
  • Loss adjuster surveys arranged for you
  • A fair settlement negotiated with insurers

PS why not also consider Probate Pro and Estate Protect?

About the Author

Rob Faulkner, who is the founder of Insuristic

Hi, I'm Rob, 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 my solid technical understanding of Insurance and my commitment to continuous professional development. I am also a member of the Chartered Insurance Institute and hold Chartered Insurance Broker status.

Over the last 30 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.

I regularly share practical guidance on probate and property insurance on LinkedIn, so let's connect.

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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 991835.  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. 

Insuristic is a registered trademark. ©Copyright 2026 Insuristic Limited.  All Rights Reserved.

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