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HOME INSURANCE - 90 DAYS? (1 Viewer)

Mar 21, 2010
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Just had our home insurance renewal arrive, price is ok BUT they will only cover up to 60 days unoccupied

We need up to 90 days unoccupied any suggestions please.

Colyboy
 

PJGWiltshire

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Mar 11, 2013
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Ask company what they class as unoccupied. Would a friend dropping in to check on the place be sufficient
 

Theonlysue

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Sep 14, 2009
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Not long enough!
Speak to company. I extended mine fir a small premium but had to leave heating on constant 15c or empty system and someone pop round weekly to check.
 

Pugsy

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Churchilll 180 days,with some conditions but possible.

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Stonemags76

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Camping & Caravanning Club - always very helpful & do 180 days.
 

GerTee

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We ended up with house sitters just to get around this problem when we were away for 4 months. Worked out really well.
 

denisejoe

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LV told us they wouldn't extend beyond 60 days when we asked in 2016. Haven't asked since though as not needed it the last couple of years as we only go aways for 30 days at a time max.

Denise
 
Last edited:
Aug 22, 2007
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i use caravan and motorhome club
 
Feb 13, 2013
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Just been through this. Used to be with C&CC as it gave us up to 180 days. It was a good policy with RSA. This year premiums jumped substantially so moved to C&MC who we have our Motorhome insurance with.

Not only saved on policy costs but also one annual subscription.

Be aware that Devitts the C&MC broker will give you the best price to suit your needs. I was a little unhappy with the buildings upper limit and they provided a blanket policy with a better upper limit and in my view a more comprehensive policy. A little more expensive than their cheapest policy but I was still saving.

Main difference was that we only need a maximum of 90 days away from home not 180.

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grasscutter

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Oct 11, 2009
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Renewed ours online today and went with the Caravan and Motorhome Club.
About £30 dearer than the company we used last year but they do 90 days as standard.
 
Feb 13, 2013
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Just checked LV and for the home plus policy it is 60 days. I guess if you have been with them for some time they may amended it.

I was interested to check as I rate them as an insurance company and it would give us other options next year.
 
Oct 7, 2013
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Another vote for the Camping and Caravanning Club Insurance.

We have our house, contents and motorhome insured with them. 180 days unoccupied for the house.
 
OP
OP
colyboy
Mar 21, 2010
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Thanks everybody for your help and suggestions. I went back to my original insurance company Halifax. Who were only offering up to 60 days. Had a long chat with them and they said “ let us
know when you want to go away for up to 90 days and we will amend your policy. “ Good deal all around £100+ less than the CCC and £115 less than the CCMC.

Colyboy
 
Feb 12, 2018
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LV give 90 days

In the process of renewing our House/Contents insurance which runs out in 3 weeks time. The best quote I have found (for our needs) is with LV. We are currently with them, but from last May they have changed their cover arrangements and now offer two levels of cover (fully explained on the LV Website), but with either option the unoccupied limit is 60 days. I spoke with them and was advised that at renewal existing Policy Holders will only be offered the choice of the two new cover options...….. so 60 days maximum.

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denisejoe

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We weren't happy with our renewal quote from LV so phoned and asked for a better price, having done an online quote which was much cheaper. The best they could do on the phone was to offer us the same as we paid last year which was about £40 cheaper but was still £35 more than our online quote which had only the 5% multi policy discount and not our Boundless (old CSMA) discount. We didn't renew with them that way but went online again and renewed as if we were a new customer - nearly £100 less than their original quote for the year.

Denise
 

Minxy

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As an aside to this, don't forget to check your travel insurance will cover you if you intend to be abroad for that length of time, our annual multi-trip policy allows 45 days at a time and the on-line chat person said they wouldn't be able to amend it to 60 days, so in the end I spoke to them and they referred it to the underwriters who have agreed to do it for this one holiday only to 61 days for an extra cost of £17.38 which we've taken out as we're not likely to go that long again next year, if we even managed to get abroad at all due to wanting to do our home up and sell it.

The ONLY proviso is that we have to depart on the agreed outbound travel date otherwise it voids the extra cover, we can come back anytime we want before the original holiday end date or return later but of course the extra cover period will lapse if we go over 61 days.
 

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