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UK Holiday and Second Home Insurance

This policy is designed for owners of holiday homes within the UK.  Providing first class cover for the buildings and contents of your holiday home.

If you would like to discuss your requirements then please give us a call or request a callback.

 

 

Buildings Insurance

Our policies provide first class all risks* buildings cover for owners of second/holiday homes in the UK.

Replacement value of buildings and associated outbuildings.

Cost of alternative accommodation.

Damage to cables,drains and underground pipes.

Up to £25,000 to cover the costs of finding leaks in any period of insurance.

Up to £500 for replacement of locks and keys following theft.

Contents and Valuables

Comprehensive cover for the contents of your second/holiday home.

Replacement value of household goods and all other personal property.

Domestic oil in fixed fuel oil tanks.

Up to £1,000 per item for curios and works of art.

Accidental glass breakage for fixed glass and sanitary wear.

All Risks cover available for high risks items.

Up to £250 for property in the open but within the premises.

Up to £5M Public Liability in the event that you are legally liable for damage.

Up to £10M Employers Liability.

 

 

 

Who is it for?

What is covered?

Why you need it?


For owners of holiday and second homes who require:
  • All risks* buildings cover
  • All risks contents cover
  • Replacement value of household goods and personal belongings

Included as standard:

  • Replacement value of buildings
  • Replacement value of household goods and personal property
  • All Risks cover available for high risk items
  • Up to £10M Employers Liability
  • Legal expenses
  • Up to £2,500 per claim for tracing leaking underground pipes, drains and cables

To protect your property in the event of loss or damage caused by an insurable peril such as:
  • Theft by third parties
  • Fire and Water Damage
  • Malicious and Accidental damage
  • Public liability cover
  • Cover you for Legal expenses
  • Enable you to pay any damages you may be liable for

Additional Benefits Include

Holiday Home

  • Expert claims management
  • Emergency access
  • Insure more than one property
  • Inflation protection for buildings sums insured

We do need to know if your home will be unoccupied for more than 45 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.




Other Information

We do need to know if your home will be unoccupied for more than 30 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.