Guidelines for Unoccupied Village Halls due to Coronavirus

There is an unoccupancy condition on this policy that restricts cover if the period between hirings exceeds 30 consecutive days. However, in light of the current situation we have sought clarification from your insurers over this as it is unclear when businesses will be able to resume operations.


For unoccupied properties, for an initial period up to 30th June 2020, Ansvar have agreed to withhold the unoccupancy restrictions and you do not have to inform insurers of unoccupied properties.


However, if your building is no longer occupied this represents a greater risk and it is important that you take measures to protect it.  Insurers have provided the following guidelines for unoccupied properties to ensure that cover is still provided:


We would advise, where you are able to do so safely and within the current government guidelines, you try to ensure that:

  1. the buildings are inspected internally and externally by an authorised person once a week to check the security and general condition of the premises;

  2. all waste, refuse and other disused combustible materials is cleared from the buildings and any grounds adjacent to it;

  3. all external doors are securely locked and all opening windows closed and locked (where fitted with locking devices);

  4. all tanks and pipes are drained down where and when you are able to do this, and all taps, stopcocks and mains supply valves turned off.  If this is not possible, because you need to maintain a central heating system, a minimum temperature of 7°C should be maintained.

  5. a)     gas supplies should be switched off unless to maintain a central heating system
    b)     electricity supplies should be switched off unless to maintain a central heating system or existing intruder alarm systems, fire protection systems, CCTV, security lighting or sprinkler systems.

  6. all existing physical devices for securing, or preventing access to the buildings must be kept in full and effective operation at all times and to have all keys removed from the locks and kept in a secure place away from the premises;


We recognise that you may not be able to complete all of the items listed above, either partially or in their entirety but we would encourage you to consider anything you can do, to reduce the risk of damage or loss, particularly through escaping water from heating systems and security of the premises generally. Your cooperation during this difficult time is very much appreciated.


All other policy terms, conditions and exceptions are unchanged.


Full wording can be found on the Ansvar website using the following link:

We are continuing to update our website as more information becomes available about coronavirus and the effect on your policy.


If you have any queries or concerns then please could you put this in writing to us and we will respond as soon as possible.

© 2020 by Norris & Fisher (Insurance Brokers) Ltd - Company Reg No: 04567558
Authorised and regulated by the Financial Conduct Authority - register no. 303993

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34a Hiltingbury Road, Chandler's Ford, Eastleigh, SO53 5SS


T: 023 8026 9009