Specialist Holiday Home Insurance
For UK and European Holiday Homes

Affordable Holiday Home Insurance from Specialists - Prices from only £95

As our name suggests, we specialise in arranging second home Insurance and holiday home insurance. We currently offer property insurance for holiday homes in United Kingdom and overseas property in France, Spain, Portugal, Greece, Greek Islands, Cyprus, Malta and Ireland.

The policy we offer is tailored to meet unique needs of a holiday homeowner, regardless of whether the property is used by yourself, family and friends or let for holiday use. Insurers tend to be perceive these homes as a greater risk to standard household insurers so they will generally shy away from insuring them. However, our underwriters do not believe this to be the case providing some simple measures are put into place.

Unfortunately, as the market for general home insurance is geared towards the high numbers of main residence policies needed by the majority, many individuals are sold an insurance policy that simply does not cater for the comprehensive and unique requirements an insurance policy for a holiday home should offer. If you require a quotation, you can be reassured that we offer you the best level of cover we have available and understand your precise requirements. We will always try to meet your insurance needs. However if we for whatever reason we are unable to meet your requirements, we will always try offer as much advice as we can through our many years of experience.

We believe your policy should be as comprehensive as any other main residence insurance. We have included reasonable conditions and added flexibility to ensure your requirements are met. Quite simply there are many things you need to consider, however we believe we have had many years experience in designing a policy that includes all of the levels of cover you will require, whilst giving you the flexibility to tailor the policy to meet your own specific requirements.

The policy has the security of being underwritten at Lloyd's of London, one of the world's largest and most established insurers. Our underwriters work very closely with us to ensure the highest standards are met. Ultimately the true value of any cover is only ever appreciated when a claim is made and the process that follows.

We are always striving to offer the best possible service to our clients and believe this is reflected in the high percentage of our clients who continue to renew their policy with us. We fully value our clients and appreciate the importance of the customer service that we provide.

We recognise that although competitive premiums are of paramount importance, it is equally important your insurance should have a comprehensive level of cover and a unique understanding of the specific requirements of a holiday or second home.

No quibble refund within the first 14 days, read more below...

We offer a full no quibble refund within the first 14 days from the inception of the policy, should you find the insurance policy fails to meet with your requirements.

An insurance policy for a holiday home is very different to a standard main residence insurance policy, and is therefore viewed as a very different risk to a permanent home by insurers. One of the key concerns insurers consider is the increased risk whilst the property is left unoccupied.

Generally speaking, the cost of a claim is far greater if the home is left unoccupied for longer periods - a leaking pipe will always cause substantial damage when it has been leaking for a couple of days, but just imagine the devastating damage it could cause if it has been leaking for a couple of weeks!

As many holiday homeowners wish to let their property, they need to have adequate liability cover and liability can become a concern to many insurers particularly as the home is being let for financial gain.  In view of the blame culture we have seen develop around the world, it has become increasingly important you know you have liability cover when you are lending or letting your property!

Many people, when trying to arrange adequate cover, will contact the company who insure their main residence.  However these people may be offered an unsuitable level of cover if the policy they end up buying could be in most instances an adapted main residence policy and in most cases will have many restrictions, particularly when it comes to un-occupancy and lack liability cover! 

Insurance by its very nature can be rather complicated and confusing so it is crucial you fully understand what is being offered, and that you understand the somewhat complicated jargon used within insurance policies. You may wish to visit our web page (Jargon explained) which hopefully will give clear definitions, however you are always welcome to call us, as we will welcome your questions.

We also have a web page (latest news) that is dedicated to providing informative news and articles, written by ourselves, that will hopefully be of interest to property owners. We welcome any contributions from our customers of any news and articles that they feel will be of interest. 

It is so important when obtaining the right level of cover you know that the policy is designed specifically for holiday homes, and by insurers who fully understand the specialist requirements. We care about the service and advice we offer, we will always listen to our customer requirements and in the rare occasion we are unable to offer a suitable policy, we will try and point the client in the right direction, however thankfully this does not happen too often as most of the time we can always offer the right level of cover.

Generally our belief is when we provide cover, the policy holder should feel totally satisfied with the policy they have been sold and the service they received. We truly believe the success we have had over many years is not just the comprehensive cover and competitive prices we offer, but also due to the high level of service we endeavour to provide, hence why we achieve such a very high renewal retention, far greater than others within our industry - we very often only lose a client if they sell their property.