Once you have taken out a Paymentshield policy, if your property is going to be unoccupied for more than 60 days, we can continue to offer cover until renewal. However, please be aware the following terms will be excluded:

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

- Malicious damage or vandalism

- Escape of water from, or the freezing of water in washing machines, dishwashers or any fixed domestic water or heating installation

- Escape of oil from any fixed domestic oil heating installation

- Theft or attempted theft

- Glass breakage

- Accidental breakage of underground drains and pipes

- Replacement of locks

Please be aware when you come to your renewal, you will need to answer the eligibility question, “Will the property be left unoccupied for a total of more than 60 days in a row”. If the answer to this is yes, you will need to contact us and cancel your policy.