Holiday Home Insurance and Second Home Insurance
Protecting your holiday home either overseas or in the UK is a vital way to protect your investment. Choosing a UK insurance product means that you will have peace of mind, when it comes to having to make a claim.
FAQs
Why should I buy my insurance from the UK when my property is in France?
While it is perfectly acceptable to buy an insurance product in the country where your property is located, we find that a UK based policy gives you peace of mind. You can fully understand the policy and the covers available. You will deal with UK knowledgeable staff and if language is a barrier, when you need to make a claim or have an emergency, dealing with someone in English can be a quick way of getting a resolution to your problem.
Are your insurance companies’ experts in all the countries you cover?
Yes, the FSA regulated companies that we pass your enquiries to have vast experience of insuring properties in a wide range of countries.
Do I need different insurance as this is an investment property?
Most people that own a holiday home are doing so for investment purposes and to have that bolt hole in the sun, so making sure you have the right cover levels will give you peace of mind. That said a holiday home insurance policy is different to a normal home insurance product but you do not need two separate policies.
Can’t I just buy a normal home insurance product?
There are differences between normal home insurance and that for holiday home insurance. The main difference being legal liability cover for employees. While you may not feel that you have employees you could have a cleaner, or a management company that looks after your property. While they are on your property, they are covered under your insurance, so you need to make sure you have the right cover in place. A normal home insurance product will typically not have this level of cover.
Where do you cover?
Currently you can get holiday home insurance for properties in these countries:
Austria, Belgium, Bulgaria, Cape Verde, Cyprus, Cyprus (North), Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, UAE, United Kingdom.
From the Blog
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