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Holiday Home Insurance
Holiday
Property Insurance for the UK and Overseas
-
France,
Spain, Portugal, Greece, Italy, Ireland, Germany, Belgium,
Holland, Denmark, Sweden, Malta and Cyprus.
The
policy is underwritten at Lloyds. Premiums are payable in
£ sterling and the policy is in English. Policies
can also be taken out for main residences in those countries
as well.
The
major risks covered are for the following:-
- Theft
- Malicious
Damage
- Fire
- Flood
- Burst
Pipes
- Storm
- Impact
with road vehicles
- Subsidence
- Landslip
- Heave
-
Earthquake
- Tenants
liability
They
also offer a 24 hour claim helpline
For
a quote please fill in the following form by clicking on the
logo below
Andrew
Copeland Insurance Consultants Ltd is authorised and regulated
by the Financial Services Authority
Under
UK FSA regulations jml Property Services are unable to give
advice either verbally or in writing regarding insurance or
assist with changes to insurance policies that you have taken
out. You must contact the insurer direct. We are therefore
unable to provide any quotes by telephone.
GET
A QUOTE FROM
Holiday
home insurance policies abroad can be full of catches - Take
care.
Claiming
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.
There
are now more than 1 million properties owned by the British.
What
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.
Make
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 insurance.
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, contact them.
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 take care.
Holiday
Home Insurance
The
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.
Why
do I need Holiday Home Insurance?
If
you own or are purchasing a holiday home in the UK then most
standard household insurance policies will not protect rented
property
You
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?
_________________________________________________
Additional
Pages to View Letting
your holiday home - How
to Market your holiday home and Website
Promotion
Advertise
your Holiday Home Property for just £11.75 / €17.05
per year - CLICK
HERE for
Details
 
jml
Property Services are members of the National
Federation of Residential Landlords, National Landlords Association
in the UK and British Chamber of Commerce Cote d'Azur - France
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