Holiday home insurance

Whilst ordinary household insurance is perfectly adequate for normal residences, you need specialist cover when it comes to insuring your second home.  Our holiday home insurance is tailored to meet your specific holiday home needs, plus we can cover you for accidental damage.

Don’t compromise on your holiday home insurance, contact our team today for no-obligation quote on 0870 770 7183.

Key features of holiday home insurance

Buildings

Holiday Cottage Insurance covers an extensive list of perils including fire, storm, flood, theft etc. (See policy summary for full details).

• Alternative accommodation or loss of hiring charges following an insured loss
• Accidental damage (only if accidental damage is shown on policy)
• Costs of tracing and accessing leaks (up to £50,000)

Contents

Cover is provided for an extensive list of perils such as fire, storm, flood, theft, etc. (See policy summary for full details).

In addition, cover is provided for:

• Wider theft cover including theft by hirer and non-forcible entry
• Accidental damage including whilst let (only if accidental damage is shown on policy)
• ‘Pairs and sets’ cover means we don’t just replace the damaged item, if part of a pair or set we’ll replace that too
• Garden ornaments and furniture (up to £750)
• Loss of domestic fuel and metered water (up to £1,000)

Liability

• Public liability up to £5 million
• Employers liability up to £10 million

Excess

• £250 standard excess for each claim
• £500 standard excess for water escape claims
• £1,000 standard excess for subsidence claims (Increased excesses may apply)

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.

Additional features

• No call centre, our team are office based so you’ll get expert help when you call
• 24 hour claims and emergency helpline

Please note: Certain perils may be excluded when your holiday home has been unoccupied for more than seven days. Please refer to our policy summary for more detail on exclusions.

For more details contact us on 0870 770 7183 or fill out an online enquiry form to request a call back.

Other insurance products we may be able to help with:

• Overseas Holiday Homes Insurance
• Holiday Home Long Term Let Insurance
• Towergate Assist Holiday Cottage Claims Service