House Insurance when on holiday

[woodstock]

Looking for house contents insurance including leaving it for 90 days for holidays.

 

[Ingwe]

We went through the Caravan and Motorhome Club. Can’t at the moment provide further details but I’d start looking on their site.

Home insurance

Competitive home insurance that includes extended un-occupancy cover for full protection during longer trips away. Call us for a competitive quote now.

www.caravanclub.co.uk

 

[Bolti]

Marks and spencer insurance 90 days no restrictions.

 

[Bolti]

Or LV but someone has to come in to check periodically.

 

[peterc10]

Or LV but someone has to come in to check periodically.

We are with LV and that is not correct. They allow it to Unoccupied for up to 60 days in a row but you need to look at the definition of "Unoccupied" on page 7 of your Policy Document.

The house has to be lived in by you or a member of your family. By lived in they mean staying in and and sleeping overnight for at least 2 nights in a row each week.

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[Land Yachties]

We are with Homeprotect who cover for 90 days. A few conditions but nothing major. Sounds daft but for any theft claim there must be physical evidence of a break in

 

[denisejoe]

Camping and Caravan Club cover 180 days or at least used to. Don't know if it's still the same as they won't cover us because we live near the coast!

 

[Bolti]

We are with LV and that is not correct. They allow it to Unoccupied for up to 60 days in a row but you need to look at the definition of "Unoccupied" on page 7 of your Policy Document.

The house has to be lived in by you or a member of your family. By lived in they mean staying in and and sleeping overnight for at least 2 nights in a row each week.

You can extend the unoccupany period with LV for a modest sum but it comes with the condition that the house is visited once a week ( not lived in) mail moved from door and in winter heating is set to 13. degrees

 

[Rodders1234]

CMC for us. Covers up to 90 days away.

 

[jaygee]

Ask your present insurer. It was not listed in our policy only said the normal can't be left more than 30 days unoccupied but when I phoned them they said we could extend that to 90 days & pay a fee (can't remember how much?) it was cheaper than getting new insurance but you need to check next years premium when it becomes due as they automatically added the 90 days inoccupancy to the policy.

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[Tony50]

It is important to check , number of days we we are with AXA 60 days unoccupied, they charged me about £60 for another 30 days to make 90 days!!

 

[Minxy]

Check the T&C's carefully, have a read of this:

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[saad]

Ask your present insurer. It was not listed in our policy only said the normal can't be left more than 30 days unoccupied but when I phoned them they said we could extend that to 90 days & pay a fee (can't remember how much?) it was cheaper than getting new insurance but you need to check next years premium when it becomes due as they automatically added the 90 days inoccupancy to the policy.

Agree with this, It will be cheaper if the present policy provider can change it to 90 days, most of them ask for just small extra fees, it will be a better option than getting new policy