| See
Also Why
do I need Holiday Home Insurance? 
If
you own or are purchasing a holiday home in the UK then most standard household
insurance policies will not protect rented property
You
therefore need to a specialist policy for your holiday home property that is designed
exclusively for properties used as holiday homes or let for holiday use. As an
owner of a holiday home, it is vital that you fully understand the extent and
limitations of your insurance policy. What restrictions are in place when letting
and unoccupancy etc? Do you have cover for public liability or loss of use? Back
to top _______________________________________________________ Is
your Holiday Home Insurance Policy Written in a Language that you can Understand?
You
have just purchased that dream holiday home property and one issue that needs
to be sorted out prior to the completion is the property insurance.
Imagine
if that property was in
France, Spain, Portugal, Greece, Denmark, Germany or Italy. Do
you speak the language well enough to understand the insurance in Portuguese for
example? Many insurance companies in European countries have advisers who speak
English, however normally the policy will still be in the local language. Insurance
policies are often difficult enough to understand in your mother tongue, but in
a foreign language you probably wouldn’t know what was covered and what was not. There
is an answer now as several British based insurance companies are now covering
overseas properties. The policy is
written in English and you deal with someone who
is experienced with insurance on holiday home properties in the country that your
second home is located in. There
are now also many multinational insurance companies with familiar names in Britain
that are becoming just as well known in France and Spain. Many of these can now
help with your insurance, but careful research on the Internet or recommendation
from friends is very important. You
do need to ensure that the property is covered for
paying guests and when you are not in residence
for several months a year. The other major considerations are: Theft, Malicious
Damage, Fire, Flood, Burst, Pipes, Storm, Impact with road vehicles, Subsidence,
Landslip, Heave and Earthquakes. “Small
print” in insurance documents is often hard enough
to understand in your own language and very difficult in a foreign one, so never
be afraid to ask for professional advice explaining anything that you are not
happy with.  XX
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Back
to top _______________________________________________________ Holiday
home insurance policies abroad can be full of catches - Take care
Claiming
on a holiday home insurance abroad can be very complicated. Dealing with complex
insurance policies on overseas homes is something more and more people are having
to come to terms with. There
are now more than 1 million properties owned by the British. 
What
can you do? First of all read and check the small print in the policy. If it is
in a language that you do not understand have it translated.
Establish
whether your cover does exactly what it is so that the insurer cannot reject a
claim at a later stage. 
Make sure that your property is compliant for a country's
particular legislation. In France now a swimming pool has to be properly gated
and if your pool does not comply with the law, it could invalidate the entire
policy.
Make
sure that your buildings insurance covers the gardens and outbuildings, not just
the house. 
Let the insurance company know that you are letting the property out and when
you let it out to holiday makers, make sure that the visitors have taken out their
own travel insurance.
In
some cases you might not be covered for subsidence and earthquakes and the Public
Liability level is often lower such as in Portugal. 
Rather like in Britain you might have conditions, that
if you are away from the property for more than a month you might need someone
to check it over regularly, drain down plumbing and leave heating on.
If
you have a mortgage, the lender might be able to provide advice or as you might
well have a bank account with a bank in the country the property is situated in,
contact them. A
lot of British based insurance companies are now covering overseas properties
and many of these can be found via the web. There are now also many multinational
insurance companies operating, names that are familiar in Britain are becoming
just as familiar in France and Spain. Shop around and take care.
Back
to top | 
