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Buying home insurance in Scotland

Hi - I recently purchased a flat in Scotland, intending to use it during half the year when my partner retires 18 months from now. In the meantime, I am going to let my niece stay in it. Has anyone been in this situation and tried to buy home insurance? Part of the problem is that I don鈥檛 reside in the UK. Another part of the problem is that I don鈥檛 yet have a UK bank account. The exterior insurance is covered by factor鈥檚 fees. I am trying to buy insurance for interior fixtures and contents. Thanks!

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