Frequently Asked Questions

To get a quotation for your holiday cottage, overseas holiday home or long-term let holiday home insurance give us a call on 0870 7707 183 between Monday - Friday 9:00am to 5:00pm or fill out an online enquiry form to request a call back.

To provide an accurate buildings insurance quotation for your holiday home we will need to know the rebuild costs of your building(s). This needs to include all outbuildings, demolition costs, solicitors and surveyors fees. A guide for calculating approximate rebuild costs of your building(s) can be found by visiting www.abi.org.uk/. Please note this guide is for owners of UK holiday homes only and does not apply to overseas property.

To provide an accurate contents quotation for your holiday home we need to know the ‘new for old’ value of all household goods within the property. Please note a wear and tear deduction is made for clothing and linen.

Yes - your holiday home is commercially let and public liability cover is essential to protect against claims made for injury to a guest or damage to their property. Our holiday cottage, overseas holiday home, long-term let holiday home insurance policies provide public liability cover of up to £5 million.

Yes, our holiday cottage, overseas holiday home, long-term let holiday insurance policies provide employers liability cover of up to £10million.

Full theft cover without the necessity of security requirements is normally provided, including theft by the guest. Please see the policy summary for further information.

Full cover is provided subject to the public services (gas/electric/water) being turned off and the water system drained or a temperature of 55 degrees Fahrenheit (13 degrees Centigrade) being maintained if the holiday home is unoccupied for more than 7 days during the period 1st October - 31st March.

Yes - if your holiday home, overseas holiday home, long-term let holiday home becomes uninhabitable due to fire or certain other perils - our policy provides up to £25,000 cover for your loss of income.

In the event of a claim you pay the first £250 of each claim. This increases to £500 for water escape claims and £1000 for subsidence claims. Increased excesses may be applied depending on individual circumstances, for example in the case of a poor claims history. This will be confirmed to you at the time of the quotation.

No claims discount for your holiday home, overseas holiday home, long-term let holiday home can be built up over a period of three years. We can also offer discount for first time owners if you are claim free on your main home insurance.

Immediate cover can be arranged subject to payment of premium. Contact us on 0870 7707 183 between Monday -  Friday 9:00am to 5:00pm or fill out an online enquiry form to request a call-back.

Unfortunately we cannot offer short-term insurance cover. All of our holiday home policies are annual.

We accept payments via cheque, debit card, credit card or by monthly direct debit. Please note additional charges may occur when paying by credit card or monthly direct debit.