Home Insurance - Maximum Period of Unoccupancy | MotorhomeFun | The Motorhome Support and Social Network

Home Insurance - Maximum Period of Unoccupancy

Oct 29, 2009
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To be clear, this thread relates to HOME INSURANCE, not Motorhome insurance.

I’m about to renew our home insurance and wanted to understand with whom those who over-winter in warmer climes insure their homes.

It seems that most insurers limit the period that a property is unoccupied to a maximum of 60 consecutive days.

If you have a provider that allows more than 60 consecutive days, I’d be keen to know which insurers provide this level of cover.

I have tried a search on the forum but didn’t find any threads.

Ian
 
Sep 26, 2013
2,741
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Self Build
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We use the Caravan Club which I believe had 90 days as the base cover, you can however extend it at no cost but with some conditions such as keeping the house at a certain temperature and someone visiting on a regular basis.
 

Jim

Ringleader
Jul 19, 2007
31,011
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1
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C Class Diesel RV
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Since 1990
I think most home policies have 30-day restrictions. Some people argue that because a neighbour or family member visits then the 30 days resets, but I wouldn't want to challenge that in court. They might want an additional premium or refuse to cover while you are away Then you'll need to get unoccupied property insurance and if that includes contents then it can be expensive. I think lots of people just cross their fingers and hope nothing happens while they are away.

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OP
bigtwin
Oct 29, 2009
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I think most home policies have 30-day restrictions. Some people argue that because a neighbour or family member visits then the 30 days resets, but I wouldn't want to challenge that in court. They might want an additional premium or refuse to cover while you are away Then you'll need to get unoccupied property insurance and if that includes contents then it can be expensive. I think lots of people just cross their fingers and hope nothing happens while they are away.
Yes, I can see that that would seem like a common workaround. But, as you say, prone to challenge by insurers.

Ian
 
Dec 21, 2011
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Camping & Caravanning club is 180 days unoccupied.
For that all we need to do is turn the mains water off. We have used them because of this for a few years now

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Mar 18, 2018
199
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I with Saga who offer 60 days as standard . They gave me an extension of 90 days for the added policy price of £19.99.
All we had to do is drain all water tanks and turn off at the mains.
My neighbor called in every week.
Easy peazy ??
 
Apr 6, 2018
224
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Durham
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53,206
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Van Conversion
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8years
Co-op, can't remember if their standard insurance is 30 or 60 days, I was told by the sales agent that if someone spent the night before the allowed nights away finished they would reboot.
When I rang back to buy the insurance a second agent confirmed this was correct, I also asked if the conversation was recorded which was confirmed, the co-op are the own underwriters.
 
Last edited:

Lenny HB

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Oct 18, 2007
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Co-op, can't remember if their standard insurance is 30 or 60 days, I was told by the sales agent that if someone spent the night before the allowed nights away finished they would reboot.
When I rang back to buy the insurance a second agent confirmed this was correct, I also asked if the conversation was recorded which was confirmed, the co-op are the own underwriters.
Yes the Co-op is 60 days. What is good with the Co-op is if you use their online chat for a query they will email you a transcribe of the chat so you have a record.

A lot of companies will extend the period if you ask.
As mentioned C&CC are 180 days but for us the premium was 4 times what we currently pay.

If you use agents like Saga who often change underwriters you need to check the policy each year as it often changes with change of underwriter.

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Theonlysue

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Sep 14, 2009
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Not long enough!
I phoned and spoke to my Insurers.
They increased to 6 months for a small additional premium, but someone had to check my home weekly.
I also could empty my heating system, or leave on a constant 15 degrees, which I did.
As doors were kept closed the bill wasn't too bad
Speak to them.
 
Feb 11, 2017
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NFU cover us for 90 days subject to an identified person (neighbour) calling in weekly and central heating set to come below 10 degrees between 1 Nov and end March. They check with underwriters every time.

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OP
bigtwin
Oct 29, 2009
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Co-op, can't remember if their standard insurance is 30 or 60 days, I was told by the sales agent that if someone spent the night before the allowed nights away finished they would reboot.
When I rang back to buy the insurance a second agent confirmed this was correct, I also asked if the conversation was recorded which was confirmed, the co-op are the own underwriters.
Yes the Co-op is 60 days. What is good with the Co-op is if you use their online chat for a query they will email you a transcribe of the chat so you have a record.

A lot of companies will extend the period if you ask.
As mentioned C&CC are 180 days but for us the premium was 4 times what we currently pay.

If you use agents like Saga who often change underwriters you need to check the policy each year as it often changes with change of underwriter.
That’s encouraging.

Have obtained an on-line quote and they’re coming out competitive. I’m waiting for an update from my current insurer before proceeding.

Ian
 
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bigtwin
Oct 29, 2009
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I phoned and spoke to my Insurers.
They increased to 6 months for a small additional premium, but someone had to check my home weekly.
I also could empty my heating system, or leave on a constant 15 degrees, which I did.
As doors were kept closed the bill wasn't too bad
Speak to them.
Thanks Sue. I’m in dialogue with them but they think it will be expensive. I’ll find out tomorrow.

Ian
 

Lenny HB

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Oct 18, 2007
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That’s encouraging.

Have obtained an on-line quote and they’re coming out competitive. I’m waiting for an update from my current insurer before proceeding.

Ian
We live in what is classed as a high risk flood area Co-op were less than half the price of anyone else and on renewal premium dropped another £60.

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Minxy Girl

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Aug 22, 2007
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Since 1996 we've had Elddis, Swift, Rapido, Rimor, Chausson MHs and Autocruise & Globecar PVCs
We are with Sunlife for up to 90 days away, although I believe they will do longer subject to an increased premium of course, the insurance cost us £221.
 
Aug 3, 2018
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Hi, I use Churchill.
£145 for the yearly policy with 180 days away.
Water and elec have to be off ,if you do not have the central heating set to come on, when temps drop below 10 degrees and someone has to visit once every 7 days.

Cheers Cris.

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MotorhomersRus

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Oct 17, 2010
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NFU cover us for 90 days subject to an identified person (neighbour) calling in weekly and central heating set to come below 10 degrees between 1 Nov and end March. They check with underwriters every time.

NFU told me yesterday it was only 60 days !
But to have someone to sleep over makes another 60 days!

A. How would they know if someone actually did
B. Is that not naughty.
 
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MotorhomersRus

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Oct 17, 2010
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bigtwin
This exactly what we are looking into at the moment, so your post saves me posting so will be following it with interest.
Our Tesco insurance covered us last winter to leave the house for 5/6 months but unfortunately they won’t repeat it.
So on the hunt for a new insurance now.
Will let you know what I find out.
 
OP
bigtwin
Oct 29, 2009
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We are with Sunlife for up to 90 days away, although I believe they will do longer subject to an increased premium of course, the insurance cost us £221.
I’d take that premium!

Ian

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OP
bigtwin
Oct 29, 2009
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Derby
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Hi, I use Churchill.
£145 for the yearly policy with 180 days away.
Water and elec have to be off ,if you do not have the central heating set to come on, when temps drop below 10 degrees and someone has to visit once every 7 days.

Cheers Cris.
And that one!

Ian
 

Minxy Girl

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Aug 22, 2007
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Since 1996 we've had Elddis, Swift, Rapido, Rimor, Chausson MHs and Autocruise & Globecar PVCs
Just to add to the above, there's no stipulation that anyone has to visit during the 90 days' unoccupation period although of course we do have hubby's Dad popping in to check post etc every now and then. We do have to turn water off and/or leave heating on low if it's over winter though.
 
OP
bigtwin
Oct 29, 2009
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We are with Sunlife for up to 90 days away, although I believe they will do longer subject to an increased premium of course, the insurance cost us £221.
Spoke to them this morning and apparently they no longer go beyond 45 days.

C’est la vie!

Ian

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OP
bigtwin
Oct 29, 2009
2,429
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Derby
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MH
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Since 2006
Hi, I use Churchill.
£145 for the yearly policy with 180 days away.
Water and elec have to be off ,if you do not have the central heating set to come on, when temps drop below 10 degrees and someone has to visit once every 7 days.

Cheers Cris.
Spoke with them this morning and the only way they would extend from their standard 60 days to 90 days if someone stays in the property 4 days per week! I indicated that if someone stays 4 days per week then the property isn’t unoccupied!

Ian
 
OP
bigtwin
Oct 29, 2009
2,429
3,786
Derby
Funster No
9,111
MH
Dethleffs
Exp
Since 2006
Co-op, can't remember if their standard insurance is 30 or 60 days, I was told by the sales agent that if someone spent the night before the allowed nights away finished they would reboot.
When I rang back to buy the insurance a second agent confirmed this was correct, I also asked if the conversation was recorded which was confirmed, the co-op are the own underwriters.
Yes the Co-op is 60 days. What is good with the Co-op is if you use their online chat for a query they will email you a transcribe of the chat so you have a record.

A lot of companies will extend the period if you ask.
As mentioned C&CC are 180 days but for us the premium was 4 times what we currently pay.

If you use agents like Saga who often change underwriters you need to check the policy each year as it often changes with change of underwriter.
Just spoke with the Co-op and they confirmed that the clock resets if someone stays overnight at the property within the 60 day period.

Looks as though they may well get the business.

Ian
 

Lenny HB

LIFE MEMBER
Oct 18, 2007
24,366
34,997
On the coast in West Sussex
Funster No
658
MH
Hymer B678 Dynamic Line
Exp
Since 2008 & many years tugging
Just spoke with the Co-op and they confirmed that the clock resets if someone stays overnight at the property within the 60 day period.

Looks as though they may well get the business.

Ian
That's good, with a lot of companies it has to be someone who normally resides there.
 
OP
bigtwin
Oct 29, 2009
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bigtwin
NFU states that
But will they want proof ?
In the event of a claim
Was this for me? When I spoke to the NFU they wouldn’t offer cover beyond 60 days.

In terms of the Co-op resetting the clock there was an implication that any clock resetting would need to be verifiable.

This could reasonably be verifiable by use of the landline telephone (and, if paranoid, by calling their insurance line).

Ian
 
Feb 11, 2017
479
448
Cumbria
Funster No
47,264
MH
Carthago C Tourer
Exp
2008
We used to insure the house through Lloyd’s - when we asked about maximum unoccupancy period the young man on the phone said, in all seriousness, that we had to leave the burglar alarm on and turn off the electric! We pointed out that the former’s batteries only lasted for 24-36 hours...

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