Buying insurance for your overseas holiday home can be very confusing.  Many people choose a local policy that is written in a foreign language and not suitable for the special requirements of UK residents owning overseas holiday homes. Many overseas insurers’ policies often have inadequate cover in comparison to UK policies and can often fail to meet the needs of property owners so it is important that you check to see what you are signing up for. 

All insurance4holidayhomes policies are written in English to make it easier for you to understand and all claims dealt with in the UK

As your overseas home is so far away it is essential your policy provides Emergency Travel to your holiday home in case of emergency  Not only does our policy cover this it also includes “Towergate Overseas Assist”  - a unique Domestic Claims Emergency Helpline and Interpretation Service which allows you 4 FREE  interpretation calls for any situation, wherever you are.

Policies arranged abroad with foreign insurers usually have lower limits for personal/public liability compared to UK insurers, which could prove costly in the event of a claim against you from someone who has been staying at your property.

Some policies in Spain will only cover you for £100,000 Public Liability and in Bulgaria it can be as low as £10,000.  UK residents owning property abroad can be sued in the UK courts if someone is injured staying at the property and foreign insurers low levels of liability cover could leave you inadequately covered.

Insurance4holidayhomes overseas home insurance will cover you for up to £5m public liability cover.