Probate Pro

Unoccupied probate property insurance for FCA exempt legal firms or professional executors with responsibility for insuring property.

  • Quick Quotes and premiums from £33.60 per month
  • No fees to issue, cancel or change a policy
  • Annual Policy with the option to pay monthly on account (interest free)
  • Only pay for the time the property is on cover
Probate Pro

Our policy is specifically designed for insuring unoccupied probate property

Save Time

Insure unoccupied probate property in a couple of minutes. Minimal questions about the property to get a quote. Self issue policies and add to your account.

Pay Monthly

Annual policies with the option to pay monthly without interest charges. Add insurance policies to your account and pay in one go at the end of the month.

Client Management

Insuristics portal enables you to view and download all policy information. Prebuilt statements and reporting to visualise policies on cover or cancelled.

About Probate Pro

Arranging insurance for unoccupied properties can be time consuming and costly.  There are many insurance providers to choose from, often with policy conditions that can be difficult for executors to adhere to, leading to problems when there is a claim.

This is why we have created Probate Pro, a clear, affordable and easy way for law firms to administer insurance online for unoccupied properties in probate. 

To find out more, keep reading or watch our short video overview.

  • Our policies are priced on a monthly basis and are interest free.  There are no upfront payments, each policy is added to your account.

  • There are no fees for cancelling or changing a policy.

  • Our policy wording has been designed specifically for insuring unoccupied probate property.  Which means you won't find any ambiguous policy conditions.  Nor is there a condition that states you must be contractually obligated to manage or insure the property.

  • We do not arrange block policies.  Each policy is arranged in the name of the estate, removing any uncertainty around insurable interest, with claims payments made directly to the estate. 

Most of your clients can be insured on Probate Pro.  But if for some reason they don't fit the scheme or advice is required, our FCA Principal, SJL Insurance can provide an offline advised service.

If there is a claim, the executors can receive support directly from SJL's in-house claims team to help them prepare and submit a claim. 

Our online portal will help your team quickly arrange insurance, download policy documents and access pre-built reports, giving you all the tools you need to deliver a first class insurance proposition for your clients. 

If you need to cancel the policy early, there are no fees for doing this.   All you need to do is email us a copy of the schedule, along with the reason for cancellation and the cancellation date.  If the client is due a refund this will be accounted for on your next monthly statement.

How does Probate Pro Work?

Each member of your team will have access to our secure online portal, making administering insurance for all your clients efficient.

Getting a quotation is quick and easy.  Most quotations can be provided in less than a minute:  

  • We only ask minimal questions about the property and there are no ambiguous questions to catch you out.

  • Insurance can be arranged monthly interest free or annually, with both options payable on a monthly account.
  • Properties can be considered with a rebuild value up to £1m on the Scheme. Higher value properties can be considered offline by SJL Insurance.

  • There are no minimum-security conditions. So there is no need to worry about the types of locks on the property. We simply need confirmation that the property is secure.

  • £10,000 of contents cover as is included as standard, with the option to extend cover up to £30,000 if required.
  • Properties covered by Probate Pro only need to be inspected every 30 days. This can be done by anyone with a mobile phone. Inspections are evidenced by taking a single picture of both the outside and the inside of the property.

  • If draining the water systems is a problem, the Probate Pro product can still provide cover for Escape of Water up to £10,000.

  • Renovations are covered without charge, providing the project costs less than £50,000 and doesn't involve structural alterations to any walls or the roof.

You will receive a quotation via email instantly.  The email will be in a format that can be shared with your clients if approval is required.

If you need to issue cover, you can do this without making any payment.  The policy documents will be emailed instantly to you.

 

How we support you when there is a claim

When you need to make a claim on an unoccupied probate property insurance policy, how does it normally go?

  • Do you have to speak to the insurer directly?
  • Do you have to wait in a phone queue for ages?
  • Do you worry if there is anything in the small print that might catch you out?

It is important to take care when submitting a claim to ensure you get the maximum settlement for the estate.

If you are a Probate Pro partner you can relax as you will have access to our in-house claims team at SJL Insurance.

They will:

  • Help you or your client every step of the way, providing guidance on the evidence required to reach agreement with insurers.
  • Look at claims from your or your clients perspective
  • Help facilitate the early release of funds
  • Negotiate settlement or quicker settlement of claims

We are confident that our claims service will deliver the best result for your clients whilst freeing up your time to focus on your legal services.

How Insuristic helps you avoid Buildings Underinsurance

If you don't know the rebuild sums insured and the property has 4 bedrooms or less we can provide a blanket building sums insured up to £750,000.  Providing this is enough to rebuild the property you would't then need to worry about underinsurance.

If you are unsure whether it is or not, we would recommend completing a rebuild cost assessment to be on the safe side. 

We have partnered with BCH, who are specialists in building insurance valuations and have offered a discounted price for Insuristic customers.

You can arrange a building rebuild valuation for £100+ VAT at one the BCH website here.

Other products we can offer your firm

Insurance products we can offer to your clients

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 (No: 13926650), 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/.  Insuristic is a registered trademark. ©Copyright 2023 Insuristic Limited.  All Rights Reserved.

 

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