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INSURANCE FOR EUROPEAN HOLIDAY HOMES(Underwritten at Lloyds, Syndicate No. 4444)If you own or are buying a French, Spanish, Italian, Portuguese, Maltese, Cyprus, Greek, or Irish holiday home, then Insurance for Holiday Homes can offer you insurance for buildings and contents designed exclusively for properties used as a holiday home or let for holiday use, and paying particular attention to the requirements needed for overseas holiday homes. As an owner of a holiday home abroad, it is vital that you fully understand the extent and limitations of your insurance policy. Do you have cover for legal liability for domestic employees? What restrictions are in place when letting and unoccupancy etc? And most important of all what do you do in the event of a claim ? If your policy has been placed through an insurer in France, Spain, Italy, Portugal etc. it is more likely that you simply do not know. Insurance for Holiday Homes is the answer for you. We specialise in overseas holiday property insurance providing a plain English policy underwritten at Lloyds and administered in the UK via helpful and knowledgeable staff. |
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Don’t risk turning your dream holiday home into a nightmare – let Insurance for Holiday Homes help you ! |
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| ALL POLICIES UNDERWRITTEN AT LLOYDS PLAIN ENGLISH WORDING CLAIMS HANDLED IN THE UK FLEXIBLE COVER SO YOU PAY FOR WHAT YOU NEED NO CLAIM DISCOUNT |
EUROPEAN PROPERTY INSURANCESummary 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, 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 £250 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 £1 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). This limit may be increased to £2 million subject to payment of an additional premium. |
| 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 £100 for any claim. A discount will be given if you choose to increase this to £200. |
| Optional Additional Benefits | |
| Swimming Pools | a. Inclusion of swimming pool for same perils as building insurance and b. Loss of use following damage to pool through insured perils providing 25% of letting fees subject to an overall limit for any one event of £1,500. |
| Emergency Travel Cover | Following a claim to the property in excess of £1,500 return air or rail ticket for the insured not exceeding £300 and 50% for a member of the insured's family, not exceeding £150. In the event of the property being uninhabitable, the cost of temporary accommodation and/or expenses up to £150. Maximum amount payable £600. |
| Accidental Damage | a. To the buildings. b. To the contents within the Home |
| Freezer Cover | Cover for freezer contents up to £150 |
| 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. |