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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. For more information Click Here

jml Property services does not take responsibilty for the accuracy of this information.

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jml Property Insurance.co.uk /jml Property Services acts purely as an online web promotion service for insurance companies. We are not insurance brokers and are unable to offer advice or deal with any of our advertisers enquiries. It is not an insurance comparison price website.. All dealing must be with the insurance company that you will gain access to via a link from this website. jml Property Services are unable to give advice either verbally or in writing regarding insurance or assist with changes to insurance policies that you have taken out. You must contact the insurer direct. We are therefore unable to provide any quotes ourselves as we would be breaking the law.

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