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information and features on holiday homes insurance Here
revival of UK Holidays, low mortgage rates and extra leisure time
has meant more people are buying second homes. If your additional
property is your second home or an investment, they
have one thing in common - the need for specialist insurance.
do I need Holiday Home Insurance?
you own or are purchasing a holiday home in the UK then most standard
household insurance policies will not protect rented property
therefore need to a specialist policy for your holiday home property
that is designed exclusively for properties used as holiday homes
or let for holiday use. As an owner of a holiday home, it is vital
that you fully understand the extent and limitations of your insurance
policy. What restrictions are in place when letting and unoccupancy
etc? Do you have cover for public liability or loss of use?
home insurance policies abroad can be full of catches - Take care.
on a holiday home insurance abroad can be very complicated. Dealing
with complex insurance policies on overseas homes is something more
and more people are having to come to terms with.
are now more than 1 million properties owned by the British.
can you do? First of all read and check the small print in the policy.
If it is in a language that you do not understand have it translated.
Establish whether your cover does exactly what it is so that the
insurer cannot reject a
claim at a later stage.
sure that your property is compliant for a country's particular
legislation. In France now a swimming pool has to be properly gated
and if your pool does not comply with the law, it could invalidate
the entire policy.
Make sure that your buildings insurance
covers the gardens and outbuildings, not just the house.
Let the insurance company know that
you are letting the property out and when you let it out to holiday
makers, make sure that the visitors have taken out their own travel
In some cases you might not be covered
for subsidence and earthquakes and the Public Liability level is
often lower such as in Portugal.
Rather like in Britain you might
have conditions, that if you are away from the property for more
than a month you might need someone to check it over regularly,
drain down plumbing and leave heating on.
If you have a mortgage, the lender
might be able to provide advice or as you might well have a bank
account with a bank in the country the property is situated in,
A lot of British based insurance
companies are now covering overseas properties and many of these
can be found via the web. There are now also many multinational
insurance companies operating, names that are familiar in Britain
are becoming just as familiar in France and Spain. Shop around and
you are looking for a Holiday Home insurance policy for your UK
or overseas (France,
Spain, Portugal, Greece, Italy, Ireland, Germany, Belgium, Holland,
Denmark, Sweden, Malta and Cyprus.)
Holiday Property - written in English
see advertisers below
Home Insurance / Overseas Property Insurance Companies
Copeland Insurance Consultants
Chalet & Log Cabin Insurance Insurance from Intasure
also - Why
Do I Need Travel Insurance? Personal Experiences by Philip Suter
- EzineArticles.com Article December 2005
Rental Excess Insurance.....RENTING
will certainly need Travel insurance
is a trading name of jml. jml
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