How long will your home be empty?
Enter the day you leave, the day someone is back living there and the limit in your policy. You see whether the trip reaches it, and on which day.
What do the wordings say?
| Insurer | Limit |
|---|---|
| Liva, wording October 2026 | Several covers excluded after the home has been unoccupied for 60 consecutive days. |
| GIG Gulf, Home Comfort | Unoccupied means not lived in for more than 60 consecutive days. You can ask to extend it for an extra premium. |
| QIC, wording 2016 | Unoccupied means not lived in for more than 45 consecutive days. |
| Sukoon, Home Umbrella | Cover continues while the home is unoccupied for up to 60 days a year. |
Worked example: leave on 25 June 2027, back on 30 August 2027, limit 60 days. The home is empty for 66 days and reaches 60 days on 24 August 2027.
Wordings differ on whether the limit is reached on day 60 or passed after it, so this counter flags the earlier day. Which covers stop is on leaving your home empty.
Sources
- Home Insurance Policy WordingLiva Insurance. Version 3.0, 15 October 2026. Read 12 November 2026.
- Home Comfort, policy handbook and terms and conditionsGIG Gulf. Read 12 November 2026.
- Home All Risks Insurance Policy WordingQIC. File uploaded January 2016. Read 12 November 2026.
- Home InsuranceSukoon Insurance. Read 12 November 2026.