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 us on 0844 736 8253, Monday to Friday, 9:00am to 5.00pm.

Can Insurance4holidayhomes arrange immediate cover?
Yes! The policy can be bought online on a statement of fact basis so there is no need to complete a proposal form.

Does the policy provide Employers Liability?
Yes ! Our policy automatically provides Employers Liability cover up to £10 million for any domestic staff.

How much should I insure my Holiday Home for?
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 solicitors and surveyors fees and demolition costs.  With your Contents you need to consider all household goods and personal property within your Holiday Home 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.

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

Do I need to specify any valuables?
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 holiday home and they exceed the single article limit then we will need to specify them on the policy schedule.

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

Do I have Accidental Damage cover?
Accidental Damage cover is available to the policy holder and family members for both Buildings and Contents

Is full cover provided whilst my property is unoccupied?
Full cover is provided subject to the security requirements being complied with, 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. (Excluding Spain and Portugal)

Is Legal Cover included within your policy ?
We offer a free legal advice telephone line for UK Policies only, that is available 24 hours a day, seven days a week, 365 days a year !

How much do I have to pay in the event of a claim?
Our policies state that you need to pay the first £50 of any claim, apart from subsidence and landslip where you need to pay the first £1000 of any claim.

What should I do in the event that I need to make a claim?
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 dedicated 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 0844 7368249 and will be happy to help you. 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.

How do I pay?
Pay online following the instructions on-screen. As soon as the policy is paid for cover can commence.

In the event that I need to cancel my cover what do I do?
You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents, as long as no claims have been made.  If you need to cancel cover after that time then simply notify us in writing with 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 0844 736 8253 or send an email to info@insurance4holidayhomes.com