Holiday Home Insurance Specialist for Second Homes Overseas in Europe: Southern Cyprus, France, Spain, Greece, Ireland, Italy, Malta and Portugal...
When it comes to insuring an overseas holiday home in France, Spain, Portugal, Greece, Greek Islands, Cyprus, Malta and Ireland you really need to give it careful consideration. You may choose to use an overseas insurer and traditionally an overseas policy may be cheaper, but this is normally reflected in the level of cover, which is very often poor, with substantial restrictions, compared to UK insurance policies. The most worrying thing is the requirements or restrictions within the insurance policy are not always clear to the policy holder, more often than not as it is not written in English. When it comes to you making a claim it can also prove to be very difficult.
Therefore Holiday home owners in the UK with second homes overseas should consider using a UK based insurer who can offer correspondence in English as well as claims being dealt with in the UK. "Insurance for holiday homes" underwriters not only administer everything in the UK, but their claims team have a network of loss adjusters throughout France, Spain, Portugal, Greece, Greek Islands, Cyprus, Malta and Ireland to make the whole process of making a claim run as smoothly as possible.
What do insurers class as a Overseas holiday home or second home
Our Insurers class a home to be a holiday / second home if it:
- Is used by the owner and family/friends for recreational use for holidays or short breaks.
- Is Let out for financial reward providing the property is let for recreational holidays or short breaks, no single let can exceed 6 weeks.
- Is located in an area that insurers perceive would be used for holiday use, they would not cover homes in inner cities without being referred to them.
- Is of standard construction, being built of brick, stone or concrete and roofed with slates, tiles asphalt or concrete. However underwriters will consider other forms of construction if it complies with building regulations.
Why Insure in the UK for Overseas Holiday Home?
As an owner of an overseas holiday home or second home, you need to consider many issues such as, regulations, legal matters and possibly the biggest issue - the language barrier. "Insurance for holiday homes" has a holiday home insurance policy, with a comprehensive level of cover that is designed to deal with the complex process of making a claim, should a disaster strike!
Why choose "Insurance For Holiday Homes"
We specialize in insuring UK holiday homes and Overseas holiday homes in France, Spain, Portugal, Greece, Greek Islands, Cyprus, Malta and Ireland. We believe in a very high level of customer service, and understand the complexity of owning an overseas holiday home.
Benefits of insuring through "Insurance For Holiday Homes"
As a policyholder you will benefit from a comprehensive level of cover, we have listed a few levels of cover we offer:
- Buildings Insurance - Loss or damage to the property caused by - fire, lightning, explosion - aircraft - earthquake - storm - flood - escape of water, and frost damage - impact - falling trees - locating leaking water - accidental breakage to fixed glass, ceramic hobs and sanitary fixtures - riot and malicious damage - theft or attempted theft - plus many more.
- Contents Insurance - Loss or damage to the contents caused by - fire, lightning, explosion - aircraft - earthquake - storm - flood - escape of water, and frost damage - impact - falling trees - accidental damage to mirrors, glass tops and fixed glass in furniture - riot and malicious damage - theft or attempted theft - plus many more.
- Your Policy will be underwritten at Lloyd's of London - one of the world’s largest and most established insurers.
- Accidental damage cover - available for contents with the option to extend accidental damage cover to your contents caused by guests staying at your holiday home.
- Accidental damage cover - available for Buildings with the option to extend accidental damage cover to your Buildings caused by guests staying at your holiday home.
- Loss of rent cover for up-to £25,000 - for pre-booked rentals following a loss covered under the buildings.
- Alternative accommodation cover - following loss covered under the buildings.
- Full cover whilst the home is unoccupied - providing certain minimal conditions are adhered to.
- Legal Liability to the public of £5,000,000 - this is a crucial element of cover for any holiday home owner’s particularly when the home is being let for holiday use, due to the increasing trends to towards litigation.
- Accidents to Domestic Staff - cover for bodily injury to domestic staff employed in connection with the insured premises.
- Swimming Pool cover included - cover automatically included under buildings insurance along with Legal Liability to the public.
ALL POLICIES UNDERWRITTEN AT LLOYD'S
PLAIN ENGLISH WORDING
CLAIMS
HANDLED IN THE UK
FLEXIBLE COVER SO YOU PAY FOR WHAT YOU NEED
NO CLAIM DISCOUNT
SUMMARY OF COVER
| No Claims Bonus | If you have not had an accident or loss involving your property within the last 12 months we will give you a 7.5% discount. |
| Loss of or Damage to the Property | Loss or damage to the property caused by fire, lightning, explosion, aircraft, earthquake (please note that earthquake cover is not included as standard for Italy, Cyprus and Greece. However it can be added for an additional cost), storm, flood, impact, riot, theft and malicious damage. Option to include Accidental Damage available. |
| Accidental Damage to Domestic Supplies | The cost of repairing accidental damage to domestic oil pipes, underground water supply and gas pipes and underground cables for which you are legally responsible. Limit of indemnity £500 in total. |
| Contents | Loss or damage caused by fire, lightning, explosion, aircraft, earthquake, storm, flood, impact, riot, theft and malicious damage. New for Old basis for settlement (depreciation will be taken into account for clothing only). Option to include Accidental Damage available. |
| Lock and Key Replacement | Cost to cover replacement of locks to safes, alarms and outside doors following theft or loss of your keys. Limit of indemnity £500 in total. |
| Loss of Use | The cover includes loss of rent due or additional costs of accommodation in the event of the residence becoming unusable. |
| Liability to the Public | The policy provides an indemnity of up to £5 million in respect of all sums which the insured is liable to pay (including law costs in respect of injury to third parties or damage to third party property). |
| Legal Liability for Domestic Staff | Indemnity for all amounts for which the insured is liable to pay to domestic staff employed in connection with the premises. |
| Excess | The policy excludes the first £75 for any claim. |
Customer Guarantee
This Website contains an abridged statement of cover and conditions of the policy. These are fully defined in the policy document. Insurance for Homes Abroad is so confident that you will be satisfied with your special policy that if, when you receive your policy documents, you are not completely satisfied, we will refund your money in full (on condition that you have no claim made or pending under this policy). All you have to do is reject the policy in writing, enclosing all documents, within 15 days to Insurance for Homes Abroad, please state your reason for rejection.