Holiday Home Insurance

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	Unique and exclusive insurance schemes.		Low prices with value-added policies.
	Security of A rated insurers.		Claim alternative accommodation costs of up to 25% of the sum assured.
	Policies can include theft & malicious damage.		Contents cover available for unoccupied property.

• Choose from a panel of insurers
• UK based advisers providing advice and information
• Buildings only or buildings and contents options available
• Cover can be extended to include accidental damage to your contents
• Immediate cover available
• Includes specialist cover for holiday letting

You may have decided to buy a holiday home either in the United Kingdom or perhaps in France, Spain, Portugal, Turkey or elsewhere overseas. Whether you need UK holiday home insurance or you need holiday home insurance overseas It is worth taking time to ensure that you have the right insurance for your holiday home especially if the property is based in Europe and that you would only visit a couple of times a year. It is vitally important to protect your property against damage from fire, weather damage, and burglary and in some countries earthquakes.

After buying a property in Europe, many people decide to accept a local insurance broker’s policy, which are sometimes cheaper than those offered in the UK. It is important to be aware that many of these policies may be prone to exclusions and exemptions that you may not have been made aware of, concealed in the small print. For example, swimming pools can be excluded from some policies if they do not follow specific building and safety guidelines. Policies from other countries will also be subject to their own law, whereas a policy with a UK firm will follow UK law, even when the home will be in another country.

Should you need holiday home insurance in turkey you may find the premiums slightly increased to reflect the increased risk of earthquake particularly in the North. Whereas should you need Spanish holiday home insurance any additional premium would be to cover the increased risk of subsidence. French holiday home insurance is not perceived to suffer from any additional underwriting risks and you may find premiums are even cheaper than for a UK property.

When securing a property, you will need to make sure that you are fully covered in the areas of:

Buildings Insurance – provides cover for the structural aspects of the house and external buildings, garages, swimming pools, walls etc. It also covers permanent fittings against fire, weather damage, burst pipes and subsidence. Whether you have a UK Holiday home or need overseas Holiday home insurance we can help

Contents insurance – provides cover for furniture and electrical appliances. It is recommended that you have full accidental insurance as well, especially if there will be people renting your property.

If you decide you want to let your property to other people, there are further inclusions to your policy that you may wish to consider, such as legal liability insurance, employer’s liability, holiday letting and legal expense insurance.

Whatever policy you decide to choose, it is important that you check the small print and ensure that you will be covered for every eventuality. Before selecting a policy, it is worth evaluating how the insurers would handle a claim, in the event of one being made, and how easy it would be to resolve, if the property was in a different country.

Contact UKinsurancenet on 0845 365 1264 and speak to one of our highly experienced consultants who will be pleased to give you a quotation. Or use our online service for instant results