Holiday Home Insurance in The UK: If you own or are purchasing a holiday property or a Second home we can offer specialist insurance for buildings and contents cover for your holiday house / let property in The UK.

Holiday Home Frequently Asked Questions

We have listed below a number of the questions that are often raised when a holiday home is being insured.
If your question is not answered then please do not hesitate to contact our Sales Team on 0845 111 0680. They are available Monday to Friday 8:30am to 5.00pm.

Q Can Intasure arrange immediate cover?
A Yes! We are happy to hold cover over the phone for a period of 21 days during which time the fully completed proposal and payment of premium will be required.

Q Does the policy provide employer’s liability?
A Yes! Our policy automatically provides employer’s liability cover up to £5 million for any domestic staff.

Q How much should I insure my holiday home for?
A For your Buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls in addition to solicitor’s and surveyor’s fees and demolition costs. With your Contents you need to consider all household goods and personal property within your property and how much you would have to pay to replace them as new. We do make a deduction for wear and tear for clothing and linen.

Q What does “New for old” mean?
A This means that the item referred to will be replaced for its current value without a deduction for wear, tear or betterment.

Q Do I need to specify any valuables?
A We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as all risks. If you keep any items permanently in the property and they exceed the single article limit then we will need to specify them on the policy schedule.

Q Do I have cover away from my holiday property?
A Our policy provides cover for your contents whilst within the confines of your property, as above we would  recommend that you speak to the insurers of your main residence for cover away from the property in respect of
valuables and personal effects.

Q Do I have accidental damage cover?
A This cover is available at an extra premium. Cover then applies whilst the property is occupied by the insured and family members. Accidental damage cover is given to both Buildings and Contents.

Q Is full cover provided whilst my holiday house is unoccupied?
A Full cover is provided subject to the security requirements being complied with and the property being furnished and the water being turned off at the mains and all equipment drained to its fullest extent if your property is to be unoccupied for more than 30 days or from the 1st November to the 31st March inclusive.

Q Is legal cover included within your policy?
A We offer a free legal advice telephone line that is available 24 hours a day, seven days a week, 365 days a year!

Q How much do I have to pay in the event of a claim?
A For properties in Greece and Italy you will be required to pay the first £100 of any claim. For all other locations you will be required to pay the first £50 of any claim. Subsidence Excess £1,000. An increased Policy Excess of 2.5% of the Buildings Sum Insured applies in respect of Portugal earthquake damage.

Q What should I do in the event that I need to make a claim?
A We understand that in the event of an incident occurring then making a claim can be stressful and we aim to make the process of settling a claim as quick and painless as possible. You should contact our Claims Team as soon as you think that you may need to make a claim, they are available from Monday to Friday 8:30am - 5.00pm on 0845 111 0672 who will be happy to help you and explain the process that you need to follow - don’t forget that our Helpline is available outside of normal office hours and the call to them is free! In the event of a theft, malicious damage, vandalism or loss of property occurring then you must notify the local police station and obtain a crime reference number immediately or within 24 hours of the loss occurring or being discovered.

Q Can I pay by monthly Direct Debit?
A Yes! We are happy to accept payment subject to a completed Direct Debit Mandate, we don’t charge any interest just a small administration fee of £1.00 per month which is included within the monthly amount.

Q In the event that I need to cancel my cover what do I do?
A If you need to cancel cover then simply notify us in writing of the reason for cancellation and state the date that you need cover to cease from - remember that if your policy is in more than one name then everyone will need to sign the letter!

If you have any other queries or wish to discuss any of the points covered above further then please don’t hesitate to contact the Sales Team on 0845 111 0680 or send an email to admin@intasure.com

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