Official BIBA Holiday Home insurance Scheme

Protecting your client’s holiday homes in the UK and overseas

With a policy designed specifically for second homeowners in the UK and overseas, the official BIBA Holiday Home insurance scheme can provide suitable cover that owners of holiday homes and second homes may need for a wide variety of property types.

BIBA Holiday Home insurance scheme is a British product specifically created for owners of holiday and second homes in the UK and over 40 countries overseas. Whether the property is left unoccupied when not in use or, is rented out, Intasure’s policies can provide cover for different types of properties in the UK and overseas.

Brexit News

As FCA-authorised firms, BIBA members are very likely permitted to arrange insurance policies for your EU customers because of ‘passporting rights’ which exist between the UK and the rest of the EU. At the end of the transition period, the UK will no longer be part of the EU and passporting rights are unlikely to be available to your members.

What is an EU Customer?

The interpretation of what constitutes an EU customer may vary from firm to firm, but Intasure has taken the position that any customers resident in the EU will need to be provided with services through a company in the EU. As such, Intasure are providing services for customers located in the EU from another Gallagher company in the EU, Nordic Försäkring & Riskhantering AB (“Nordic, trading as Intasure”), which is authorised as an insurance broker in Sweden by the Swedish regulator, the Finansinspektionen.

As a precaution, we recommend that your members review their customer base to identify whether any issues would arise for them as a result of the end of the transition period. At this time we expect that UK businesses, will cease to have the passporting rights to operate in the EU on 1 January 2021.

If you do not have a solution to deal with EU customers following the end of the transition period, Intasure would be happy to discuss alternative placement arrangements with you.

The British Insurance Brokers’ Association (BIBA) launched its exclusive holiday home insurance scheme in partnership with Intasure, Gallagher’s holiday home insurance specialists.

What is covered under Intasure holiday home insurance?*

You can choose between Buildings insurance, Contents insurance, or Combined Buildings and Contents cover.

What’s covered?*

Buildings insurance standard blanket cover of £1m
Contents insurance up to £100k
Public liability of £5m
Cover whether the property is occupied or unoccupied as standard
Cover for short term or long term as standard
Theft from outbuildings
Excess from as little as £50
Loss of money and keys
Cover for swimming pools, hot tubs, annexes, conservatories, Jacuzzis, and more
Earthquake cover as standard in the UK and overseas[1]
Cover against storm and flood damage in the UK and overseas
Accidental damage caused by guests as standard - can be upgraded
Loss of rent following insured damage to the property
Emergency travel and alternative accommodation – included as standard following an insured loss or valid claim
Legal expenses cover as standard

[1] This cover is only available in Turkey when in addition to the cover provided by Doğal Afet Sigortaları Kurumu (DASK insurance). DASK insurance stands for "The Turkish Compulsory Earthquake". This cover is compulsory for all homeowners in Turkey and it’s provided by the Turkish Government. For full terms, conditions, and exclusions relating to DASK Insurance, please refer to the DASK website: www.tcip.gov.tr

*Terms & Conditions apply. For limitations and exclusions, please read the policy documents for full details.

Underwritten by Lloyd’s syndicates and A-rated insurer capacity, the holiday home scheme enables BIBA members to find insurance from specialists offering a friendly, professional service from a UK-based team with more than 15 years’ experience. Intasure has one of the largest footprints in the market covering over 40 different countries worldwide and it’s the official BIBA insurance provider for holiday homes in the UK and overseas since 2015.

Locations we cover: bringing local expertise to 40+ countries worldwide

If you or your company are BIBA members make sure your customer considers an Intasure holiday home insurance policy.

These are the scheme benefits exclusive for BIBA members*:

Exclusive for BIBA agents only - legal expenses included free of charge
Convenient online quote and buy facility
No minimum volume requirements
Immediate cover available
Payment on account option
On-site document production
UK-based support team and English-speaking loss adjustors

*Exclusions may apply – please see policy document for full terms and conditions.

And if the worst happens, our English speaking claims team are on hand to provide assistance to resolve claims efficiently. We’re committed to providing a fully managed claims service, so help is at hand when you need us most with our 24 hour Claims Helpline.

Why choose Intasure?

UK-based friendly support team

15 years of experience in the holiday home sector

Our customers rate us excellent on Reviews.co.uk

In-house overseas loss adjusters

Part of Gallagher, one of the world’s largest insurance brokerage firms

One of the Most Ethical Companies in the world

How to open an agency with Intasure - Quote & Buy in an instant

Whether you’re interested in receiving more information or starting a partnership with Intasure, all you need to do is download and complete our Trading Partner Application form and send it to bibahh@intasure.com

We’ll process your application and let you know when your account is set-up. You can then use our quote-and-buy facility for instant estimates and cover.

For further information about partnering with us, to understand the scheme benefits, and how to become a BIBA Holiday Home Insurance Scheme Provider give us a call on 0345 071 6071 and one of our team members will assist you.