Business Details
11 Years
experience
Specialist Property Insurance Solutions
Bickers Insurance is a specialist property insurance provider founded by brothers Colin and Julian Bickers, each with over 20 years of experience in insurance broking. Established to address niche markets overlooked by mainstream insurers, we focus on unoccupied property insurance, holiday home coverage, and policies for care home residents. Our approach combines deep industry expertise with a commitment to tailored solutions, ensuring clients receive competitive premiums without compromising on coverage. We prioritise transparency, maintaining accreditation with the Financial Conduct Authority (FCA) to uphold rigorous regulatory standards. Our team works closely with legal professionals and private clients to navigate complex insurance obligations during property transactions, renovations, or long-term vacancies. By adhering to our 'People, Product, Price' philosophy, we deliver reliable protection for high-risk scenarios, including previously underpinned properties and blocks of flats.With a focus on risk management and client education, we provide detailed guidance on policy compliance, security measures, and claims prevention. Our services extend to commercial property insurance, landlords' policies, and bespoke coverage for property renovations, ensuring comprehensive support across diverse scenarios. As a family-run business, we maintain a hands-on approach, offering direct access to specialists who understand the unique challenges of vacant or transitional properties. Our dedication to resolving complex insurance needs has solidified our reputation as a trusted partner for both individuals and professionals across the UK.
Services
Unoccupied property insurance
Holiday home insurance
Care home resident coverage
Property renovation insurance
Commercial property insurance
Landlords insurance
Blocks of flats insurance
Previously underpinned property insurance
Insurance between exchange and completion
Absent freeholder insurance
Details
- Year established: 2015
Highlights and features
- We offer over 20 years of specialist property insurance expertise
- Our team provides FCA-regulated policies for high-risk scenarios
- Tailored solutions for unoccupied properties and legal compliance
- Direct access to insurance specialists via dedicated contact lines
- Comprehensive guidance on policy compliance and risk management
Associations and certifications
- Financial Conduct Authority
Services
Unoccupied property insurance
Specialist insurance for empty properties during sales, renovations, or long-term vacancies. Covers theft, malicious damage, and water escape risks excluded by standard policies. Ideal for executors, landlords, and homeowners transitioning to care facilities. Maintains coverage when mainstream insurers restrict protection after 30-60 days of vacancy.
Holiday home insurance
Tailored protection for UK holiday lets and personal use properties. Includes loss of rent coverage, compliance with legal safety certificates, and flexible inspection warranties. Addresses unique risks of seasonal occupancy while maintaining comprehensive protection against fire, theft, and water damage.
Care home resident coverage
Specific insurance solutions for properties vacated by residents moving to residential care. Prevents policy invalidation through specialist coverage that maintains protection against standard exclusions like theft and water damage during prolonged vacancies.
Property renovation insurance
Insurance for properties undergoing structural changes, extensions, or major refurbishments. Provides continuous protection during occupancy transitions and construction phases, with coverage adjustments aligned to different project stages and contractor responsibilities.
Blocks of flats insurance
Comprehensive insurance for residential blocks considering construction specifics, communal areas, and risk management factors. Includes provisions for environmental hazards, tree-related risks, and statutory compliance for shared building facilities.
People
Colin Bickers
Director
With over 20 years in insurance broking, Colin specialises in high-risk property solutions. He co-founded Bickers Insurance to address underserved markets, leveraging industry expertise to develop FCA-regulated policies for complex insurance scenarios.
Julian Bickers
Director
Julian brings two decades of insurance market experience to Bickers Insurance. His focus on client relationships and product development has established the company as a leader in specialist property coverage for vacant and transitional properties.
Questions
What types of property insurance do you specialise in?
We specialise in unoccupied property insurance, holiday home coverage, care home resident policies, and insurance for properties undergoing renovations or legal transitions.
Why choose specialist unoccupied property insurance?
Standard home insurance severely restricts coverage after 30-60 days of vacancy. Our policies maintain comprehensive protection against theft, water damage, and malicious acts.
Can I get insurance between exchange and completion?
Yes, we provide mandatory buildings insurance for this period as required by the Law Society's Standard Conditions of Sale.
Do you cover previously underpinned properties?
Yes, we offer specialist insurance for properties with subsidence history or previous underpinning work.
How do you handle insurance for blocks of flats?
We provide comprehensive coverage considering construction details, communal areas, and risk management improvements for multi-unit residential buildings.