- Get A
- UK Holiday Home
- European Holiday
- Holiday Home
- Holiday Home
- Renew Your
- Professional, knowledgeable and Friendly Service.
- Underwritten at Lloyd's of London giving you full peace of mind.
- Specialist Holiday Home Insurance Claims handlers.
- 14 day money back Guarantee
- Loss of rent and alternative accommodation as included.
- Emergency travel cover.
- Contents Insurance New for Old.
- £5,000,0000 Liability Insurance cover as standard.
- Liability Cover for Domestic Staff.
- 95% of clients renew with us each Year.
- Optional accidental damage cover for Buildings and Contents.
- Optional accidental damage cover caused by holiday tenants.
- Plain English Wording
- Claims handled in the UK
- Flexible Cover
- No Claims discount
Insurance for Holiday Homes is exactly how it sounds, a specialist insurance provider arranging cover for holiday homes in the UK and abroad. As it stands we offer policies to insure properties overseas in France, Spain, Portugal, Cyprus, Malta, Ireland, Greece & the Greek islands as well as second homes in the UK, whether it is your own getaway or let out to the public for holiday use.
Why People Use us.
No Call Centres - Individuals who understand your requirements.
Comprehensive whilst affordable cover.
Underwriters who understand what level of cover is required.
Unoccupancy - No unreasonable requirements.
Many of those trying to arrange cover for their holiday home will often contact the insurer who covers their main residence. However this can be a step in the wrong direction. Whereas many home insurers may offer a second home policy, their focus is of course towards main residence insurance. As a result they tend to offer adaptations of their standard home insurance which can be very restrictive and inappropriate for the particular requirements of owning a holiday home – particularly when it comes to how often a property can be left unoccupied. These insurers will often shy away from homes that are left unoccupied for long periods of time or if they are let out to guests, as they perceive the risk to be significantly higher than an occupied home. Our tailored policy meets the unique demands of owning a holiday home, giving more flexibility to leaving it unoccupied and offering comprehensive cover for a competitive cost.
Insurance for Holiday Homes has over 10 years of experience providing specialist holiday home cover to those with properties in the UK and abroad. In this time we have been collaborating with our underwriters at Lloyd's of London to adapt our policy to ensure we offer the best policy terms possible, whilst also being flexible so our customers can choose their level of cover.
We supply a wide range of options so that you don't pay for what you don't need. If you own a holiday apartment and pay a service charge for the buildings insurance already, we can insure your contents and your fixtures. On the other hand, if you own a villa that's let out to holidaymakers, we can insure your buildings and contents comprehensively; extending cover to include accidental damage & theft by tenants. If for some reason we aren't able to meet your requirements, we will always endeavour to impart any advice we can, through our wealth of experience.
An important section to our policy, especially for those holiday homeowners wishing to let their property to paying guests, is the liability to the public. In view of the blame culture that has developed in recent years, it is imperative that you're covered for anything that you could be proven liable for. Our buildings and contents cover includes public liability up to £5m for any liability for bodily injury or property damage. Our contents only policy can be extended to include this liability cover if required.
All of our policy holders can now make use of our new legal expenses policy. Whether your property is in the UK or abroad, for £17.50 you can be covered for up to £50,000 in legal costs, as well as having access to a 24/7 EU law legal advice help line.
With our policy being underwritten at Lloyd’s of London, you can feel safe in the knowledge that you are insuring with one of the most established insurers worldwide. As a cover holder we work close with our underwriters to ensure we provide the highest standards in our policy and service. This resonates in the way that we offer a personal yet professional service – no call centres! - from your first quotation, to your last renewal and all the steps in between. This high level of service and comprehensive policy, backed up with the safety of insuring at Lloyd’s of London (see Financial Services Compensation Scheme (FSCS) http://www.fscs.org.uk/) makes Insurance for Holiday Homes the best way to insure your property.
Our commitment to comprehensive cover for a competitive cost is what brought over 10,000 clients to us, however a high level of service and customer care is paramount to us and is demonstrated in the high percentage of clients who renew their policy with ourselves year on year.
No quibble refund within the first 14 days, read more below...
If for whatever reason you find that our policy isn’t suitable to your requirements, you are entitled to a full refund within 14 days of the inception of the policy without need for discussion – although of course we are always looking for ways to improve our policy so feedback is always appreciated.
One of the prime concerns for insurers when covering a holiday home insurance is the increased risk of a home being left unoccupied. Standard main residence insurance is very different to an insurance policy for a holiday home in that they expect the property to be occupied for the majority of time and so require that it isn’t left unoccupied for great lengths. The reason for this is that the cost of a claim is far greater if for example a pipe sprung a leak. There will always be water damage if a pipe burst at home, but you can imagine the devastating effect a burst pipe could have on a property if it goes on unnoticed for days or even weeks!
One thing we have found by taking the time to listen to our customers is that the ins and outs of insurance can be complicated and confusing when you start to take a closer look. For that reason we have compiled a web page (Jargon explained) for it is crucial you fully understand what is being offered when you read through a policy wording. Although we try to sum things up in plain English, when comparing policies you’re almost certainly going to stumble upon somewhat complicated jargon. Whilst you may wish to visit our web page which hopefully will give clear definitions, you are always welcome to call us, as we always welcome your questions.
Another section of our website (latest news) is dedicated to providing informative articles that may be of interest or of use to property owners, written by ourselves. We welcome any contributions from our customers on any news or articles that they feel could be of interest.
At Insurance for Holiday Homes, we understand the importance of peace of mind when it comes to obtaining insurance cover. Our policy is designed specifically for holiday homes, by insurers who fully understand the specialist requirements. We are also of the opinion that offering a personal service and the right advice is something that a lot of large insurance companies have lost sight of, however we stay humble to our beginnings, our advisors are always on the other end of the phone. We do not use call centres or any phone menus. We will always listen to our customer’s 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. Thankfully this does not happen too often as our flexible policy means that we can often offer the right level of cover.
The bottom line is that we want to provide people with a comprehensive policy at the right price when they come to us for a quote. But it doesn’t stop there, our high level of service is why our customers stay with us, with timely renewal invitations and no sudden hikes in premium – you will be quoted the same premium for your renewal as you would be if you completed a quotation form with the same details.