After all the uncertainty of Brexit and then a pandemic that halted travel for a while, people just want to be able to enjoy their holiday homes with minimum hassle and worry. That’s where insurance can help.
As holiday homes are generally occupied less than primary homes, it’s important to consider specialist cover that helps protect you in case there is damage when it is empty as well as when you are there to enjoy it. You will also want to check that a policy provides:
- Cover for long or short term lets if you plan to rent out the property
- Emergency travel cover should you need to get to or from the place urgently
- Temporary accommodation cover
- Public liability cover
- Cover for swimming pools
- A provider and service with experience in insuring second homes and overseas properties
For expats who live overseas permanently and rent out properties that they own in the UK, it’s just as important to consider having appropriate cover for their UK assets.
Perhaps one of the most important things to look for is a UK-based, English-speaking team who are ready to assist with any queries you may have and support you in an emergency. Some local overseas brokers might not offer claims support, leaving you to deal directly with insurers. Even worse for you, the policy may not be written in English, so you may miss key points, no matter how fluent you have become in the local language.
Intasure, like Deacon is part of Gallagher , specialising in second home and overseas property insurance, and has developed a post-Brexit solution to help customers who want to insure their properties across the UK and EU. You can contact them direct or call us and we will be happy to put you in touch.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
Intasure® is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909
11th July 2022
The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited (Gallagher) trading as Deacon accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.