Fortunately, Insuristic, the UK’s first online insurance broker specialising in Probate Insurance solutions, can help.

They offer policies specifically tailored for the probate process, available exclusively through their platform, that are designed to help personal representatives and solicitors protect their liability.

Unlike many traditional providers, Insuristic ensures its cover is straightforward, easy to understand, and free of hidden fees, even if you need to cancel a property insurance policy early.

Here are the policies available to protect you during the probate process (click on any of the links below to find out more or get a quote):

• Probate Property Insurance is a specialist policy specifically designed for insuring an empty property during any stage of the probate process. With three cover levels and the option to insure short-term or annually, and claims support if you need it. If you haven’t claimed and need to cancel early, there are no cancellation fees, and you will receive a pro-rata refund for any unused cover.
• Insuristic’s Estate Protect Direct policy runs forever and has no excess to pay in the event of a claim. The policy is designed to protect the Personal Representatives (whether you’re a member of the public or a Solicitor) and the beneficiaries from a range of potential third-party claims.  The following policies can be arranged when you have the Grant of Probate (if there is a will) or Letters of Administration (if there isn’t a will):
  • Missing Will Insurance: Protection against claims following the discovery of another, previously unknown will.
  • Section 27 Insurance: Protection against claims from unknown creditors. The cover can be arranged without costly Section 27 notices, offering a simpler, more affordable solution.
  • Early Distribution Insurance: Enables the estate to be distributed earlier without waiting for the statutory 6-month waiting period to expire. Protection from Inheritance Act 1975 claims.
  • Missing Beneficiary Insurance: Protection against claims if a previously unknown or missing beneficiary comes forward to claim a share of the estate after it has been distributed. It is also possible to arrange cover for a known beneficiary that cannot be found.

Insuristic is also a Probate Risk Management specialist, and they have also written the following guides, which may help you:

• Home Insurance for Executors: Understanding the Risks
• The Risks of Extending Home Insurance in Probate
• What Is The Risk Of Building Underinsurance In Probate?
• Protecting Probate Property
• Insuring a Property That’s Still Lived In During Probate
• What Insurance Should I Consider For an Intestate Estate?
• What Insurance Should I Consider For a Testate Estate?