Home insurance.

Sep 1, 2019
155
395
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63,720
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Hymer 588
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Since 2011
I'm having difficulty finding home insurance that permits unoccupancy for more than 60 days, what are your experiences please and any recommendations for companies that permit longer periods away.
Thanks.
 
Mar 28, 2017
183
194
Tamworth
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Bailey Autograph 794
I'm having difficulty finding home insurance that permits unoccupancy for more than 60 days, what are your experiences please and any recommendations for companies that permit longer periods away.
Thanks.
With Lloyds if you tell them and turn off water etc you can extend.just a thought if you had somebody regularly checking your house would that help?

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Oct 29, 2009
1,889
2,176
Derby
Funster No
9,111
MH
Dethleffs
Exp
Since 2006
C&CC allow 180 days as does their Travel Insurance

John
Yes C&CC seem to allow 180 days as standard.

Co-op as standard is 60 days but seem to allow the clock to be reset if a friend/relative stays overnight while you’re away (although there has been a suggestion that the scope of cover may reduce).

Ian
 
Feb 16, 2013
12,765
17,816
uttoxeter
Funster No
24,713
MH
ambulance conversion
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50 years
Nfu don't state as far as I know but we have a 90 day travel insurance included with ours so can't be in both places at the same time. ;)
 

ctc

Oct 12, 2015
442
522
Crowle
Funster No
39,408
MH
Hymer b680
Exp
New
Just had a quote from Homeprotect, 180 days which renews every time you go home, they do longer but 180 in one go is enough for us

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Minxy Girl

LIFE MEMBER
Aug 22, 2007
20,220
21,765
E Yorks
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149
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Carthago Cmpct i-138
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Since 1996 we've had Elddis, Swift, Rapido, Rimor, Chausson MHs and Autocruise & Globecar PVCs
We're with Sun Life with 90 days away at any time.
 
Feb 7, 2012
1,098
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Lancashire
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It's perfect
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Back with C and C for 180 days with Royal Sun Alliance.....................geared for exactly what we want.

Lengthy complaint and discussion with Co op about their policy........definitely no contents cover after 60 days and the 60 day reset is only in particular circumstances.................almost said not if it's planned in advance.
 
OP
Sillious Sodus
Sep 1, 2019
155
395
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63,720
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Hymer 588
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Since 2011
Thanks all. I've gone with C&MC for the first time, they allow up to 90 days as stabdard.

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Feb 13, 2013
633
374
Edinburgh
Funster No
24,680
MH
Rapido 881F
Exp
Since 2015
Caravan and motorhome club do a standard 90 day away from home with no need for visits, turning water off etc.

However make sure you check the cover and you don't have to accept the first quote if the cover isn't good enough.
 
Feb 7, 2012
1,098
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Lancashire
Funster No
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It's perfect
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Since 2012
Names of clubs are very confusing these days.

Am I right that Caravan and Motorhoming Club only offer 90 days

As far as I know only Camping and Caravan Club offer the 180 policy.
 
OP
Sillious Sodus
Sep 1, 2019
155
395
Funster No
63,720
MH
Hymer 588
Exp
Since 2011
Names of clubs are very confusing these days.

Am I right that Caravan and Motorhoming Club only offer 90 days

As far as I know only Camping and Caravan Club offer the 180 policy.
The C&MC offered 90 days which is all I wanted I didn't ask for more.

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Jan 18, 2019
133
119
Bolton
Funster No
58,086
MH
Hymer Exis
Exp
Since 2010
C&CC insurance in state of flux, new computer systems can't access previous policies (in my case anyway) my renewal has gone from £393 to £800+ for more or less the same cover. Also the insurance is now with Ageas - which comes bottom of Which? ranked table of insurers ....
 
Jan 18, 2019
133
119
Bolton
Funster No
58,086
MH
Hymer Exis
Exp
Since 2010
Homeprotect do 90+ days, but after 30 days cover is limited:

"If the Home is left unattended for 30 consecutive days [or greater] your Home will be considered "unoccupied", during this period, no cover is provided for:
- Claims caused by escape of water, during the period: 1 October - 1 April [inclusive].
- Claims caused by theft or attempted theft, unless all security features listed within your statement of fact are maintained in good working order and in full operation.
- Money & Cards. - High Risk Items.

I'm now awaiting clarification on whether 'High Risk items' I specified for cover outside the home are in fact covered after 30 days. That wording is not explicit enough for me (macbooks, photographic stuff, jewelry etc)

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Jan 18, 2019
133
119
Bolton
Funster No
58,086
MH
Hymer Exis
Exp
Since 2010
"I'm now awaiting clarification on whether 'High Risk items' I specified for cover outside the home are in fact covered after 30 days. That wording is not explicit enough for me (macbooks, photographic stuff, jewelry etc)"
They are.

I now have a quote from C&CC circa £230, but one of the conditions is that between Oct-April 15ºC must be maintained "at all times" - and the loft hatch left open. We don't maintain 15º "at all times" even when in residence ! (The whippets wear pyjamas ....)
 
Jul 6, 2016
864
476
West Sussex
Funster No
43,954
MH
Carthago Chic A clas
Exp
Since 1990
I'm with C&CC. However, it's been rumoured on another forum that premiums are rising by 30% next year. They've taken on a company called "Fresh" as one of their preferred insurers, which MAY be one of the reasons for the increase.

My renewal is due end of January 2020....it will be interesting to see what happens.
 
Feb 7, 2012
1,098
747
Lancashire
Funster No
19,721
MH
It's perfect
Exp
Since 2012
"I'm now awaiting clarification on whether 'High Risk items' I specified for cover outside the home are in fact covered after 30 days. That wording is not explicit enough for me (macbooks, photographic stuff, jewelry etc)"
They are.

I now have a quote from C&CC circa £230, but one of the conditions is that between Oct-April 15ºC must be maintained "at all times" - and the loft hatch left open. We don't maintain 15º "at all times" even when in residence ! (The whippets wear pyjamas ....)
This was the conditions we were given no doubt from trying to keep water tank in the loft from freezing.Of course they do not keep up with the times and I explained that leaving the loft open would just let any heat out of the house and there was no water tank in the loft.....doh
I got them to question the underwriters and returned and said it would be OK to close the attic.This was with a company called Canopius I think.

ANyway we now have a policy with Royal Sun Alliance through Cand CC (same price and similar policy as far as I can tell) It covers 180 days unoccupancy and NO conditions. Of course,we turn the water off and a neighbour comes in weekly BUT it is not a condition of the policy

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Minxy Girl

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Aug 22, 2007
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