I had this issue last year and ended up insuring the house as a holiday home.
A few people on here recommended it.
I can assure you it does cover you as I spent ages researching it.This does not cover you when its empty. If a property is empty for 30 days or more then it will not be covered by insurance. The only exception is storm damage as it dosnt matter if someone lives there or not for this.
Thanks for replies. Have tried FBD - No. AXA - No. 123 - NO. Hibernian aviva - No.
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