You, as the landlord must have tenants moving into the property within 90 days of the policy start date.

We’ll accept a new application for a landlord's policy where the property will not be occupied immediately by tenant's, but they must move in within 90 days.

If, after 90 days, the property is still unoccupied, you must inform us, and the policy will be cancelled.

There must be a tenancy agreement in place from the date that the tenants move into the property.

The excess may increase for the following risks after the property has been unoccupied for 45 days. You should check your policy booklet which will confirm cover that is affected. This may include:

- Malicious damage or vandalism

- Riots, civil commotion, labour and political disturbances or strikes

- Escape of water or oil

- Theft or attempted theft

- Accidental damage

If you aren't confident that tenants will be occupying the property within 90 days, cover will be declined.

If any form of renovation work is being carried out, cover will not start until tenants are occupying the property and a tenancy agreement is in place.