European and Worldwide Holiday Homes

The Details

European Holiday Home Insurance – Our insurers have been selected due to their expertise in holiday home insurance properties abroad.

We can also arrange main residence cover for ex-pats in Spain, France and Portugal.

Our policies can cover:

• Holiday home insurance are UK Policies written in English
• Liability cover included
• Premiums include all the necessary taxes
• Holiday Homes Insurance
• Main residence for Ex-Pats
• Contents and Buildings Holiday Home Insurance
• Full unoccupancy cover
• Accidental damage available
• Valuables and Collections for main residence
• Holiday Homes Let Insurance
• All risks cover available for main residence

Other Information

EU Holiday Homes special conditions

As the property is in another country there are additional endorsments added to the policy.

Security

All final external doors at the property are fitted with a mortice deadlock of at least five levers.

All other doors allowing entry or exit to the property must be fitted with a lock as described above or by a key operated mortice security bolts top and bottom of the door in addition to the existing locks.

Any external sliding doors must be fitted with key operated sliding door locks which have been mounted internally on the centre rails.

Any ground floor basement or accessible upper floor windows must be fitted with one of the following :

1. Key operated locks or security devices
2. Wooden shutters with interior locks
3. Metal grilles embedded into the wall

 

Is full cover provided whilst my property is unoccupied?

Full cover is provided subject to the security requirements being complied with and the property being furnished and the water being turned off at the mains and all equipment drained to its fullest extent if your property is to be unoccupied for more than 30 days or from the 1st November to the 31st March inclusive. (Excluding Spain and Portugal)

Countries we can cover include:

1. Austria Holiday Home Insurance
2. Belgium Holiday Home Insurance
3. Brazil Holiday Home Insurance
4. Bulgaria Holiday Home Insurance
5. Cape Verde Holiday Home Insurance
6. Croatia Holiday Home Insurance
7. Cyprus Holiday Home Insurance
8. Cyprus North Holiday Home Insurance
9. Czech Republic Holiday Home Insurance
10. Denmark Holiday Home Insurance
11. Egypt Holiday Home Insurance
12. Estonia Holiday Home Insurance
13. Finland Holiday Home Insurance
14. France Holiday Home Insurance
15. Germany Holiday Home Insurance
16. Greece Holiday Home Insurance
17. Hungary Holiday Home Insurance
18. Iceland Holiday Home Insurance
19. Italy Holiday Home Insurance
20. Latvia Holiday Home Insurance
21. Liechtenstein Holiday Home Insurance
22. Lithuania Holiday Home Insurance
23. Luxembourg Holiday Home Insurance
24. Malta Holiday Home Insurance
25. Monaco Holiday Home Insurance
26. Montenegro Holiday Home Insurance
27. Morocco Holiday Home Insurance
28. Netherlands Holiday Home Insurance
29. Norway Holiday Home Insurance
30. Poland Holiday Home Insurance
31. Portugal Holiday Home Insurance
32. Rep. of Ireland Holiday Home Insurance
33. Romania Holiday Home Insurance
34. Slovakia Holiday Home Insurance
35. Slovenia Holiday Home Insurance
36. South Africa Holiday Home Insurance
37. Spain Holiday Home Insurance
38. Sweden Holiday Home Insurance
39. Thailand Holiday Home Insurance
40. Tunisia Holiday Home Insurance
41. Turkey Holiday Home Insurance
42. UAE Holiday Home Insurance
43. United Arab Emirates Holiday Home Insurance
44. United Kingdom Holiday Home Insurance

 

What terms apply when the Home is not Occupied?

We have access to several Holiday Home Insurers and can negotiate terms that fit your requirements.

We can provide Full Cover while the property is not used but you must put into practice certain measures.

Examples - After 7 consecutive days of the property being unoccupied maintain the security at the home

The standard excess may increase for certain perils such as storm, flood, weight of snow, escape of water, escape of oil, theft or attempted theft, riot. 1st Nov - 1st April no cover for escape of water or oil unless the heating is on at all times at a temperature of 58 degrees OR the water is turned off at the mains and drained. The gas and electricity supplies are turned off at the mains when not used to maintain the heating and the security at the home.