It is important that you insure the Buildings for their full value as under-insurance may reduce the amount paid in the event of a claim.

You should insure for the full cost of rebuilding the main dwelling house and all outbuildings, including decorations, fixtures and fittings, paved patios and terraces, walls, gates and fences. An amount for site clearance and professional fees must also be included.

Rebuilding costs are not necessarily the same as market value; if in doubt consult a building surveyor or estate agent.
It is important that you insure the Contents for their value as new (depreciation will be taken into account for items of clothing only) as under-insurance may reduce the amount paid in the event of a claim.

Contents include household goods and personal property, within the home, which are your property or which you are legally liable for. Cover for gold, silver and plated articles, jewellery and furs is limited to 10% of the contents sum insured.
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Overseas Holiday Home Insurance Online Quotation Form
Proposer Details 
Mr     Mrs     Ms     Miss
  
Property to be Insured 
France     Greece       Ireland      Southern Cyprus
Italy         Malta         Portugal    Spain
Type of Property:             
                   Other

Please provide details...What floor is the Apartment/Flat situated on?
Does the Property have its own Private Swimming Pool? Yes     No
Property Use: Holiday Home (own use and lent to friends and family)
Holiday Let (own use and let commercially for holiday lets,
      no single let to exceed 6 weeks)
Is the Property Self Contained? Yes     No

Please provide details...
How is the Property Owned?    

Please provide name of mortgage lender if you wish their interest
to be noted on the policy...
Is the Property built of Brick, Stone and/or Concrete and Roofed with Slate, Tiles and/or Concrete?    

Please provide details...
Is the Property in a Good State of Repair?    

Please provide details...
Is the Holiday Home checked internally at least once a month when unoccupied?    

We will be unable to offer a quotation if the property is not checked
internally at least once a month when unoccupied...
Are all External Doors fitted with Five Lever Mortice Deadlocks or European equivalent?    
If the contents is £30,000 or greater this would need to be carried
out within 4 weeks from inception of any policy...
Are all Ground Floor, Basement and Accessible Windows fitted with Key Operated Locks or Shutters with Internal Catches?    
If the contents is £30,000 or greater this would need to be carried
out within 4 weeks from inception of any policy...
Is a Burglar Alarm fitted to the Holiday Home?
(Monitored alarm required if contents sum insured is £75,000 or greater)
     
Is the Holiday Home protected in any other way?    

Please provide details...
Number of Years Claim-Free on any Properties: