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Holiday home insurance is available through our partners, Intasure, for property in:
- Spain
- Portugal
- France
- Italy
- Greece
- Cyprus
- Republic of Ireland
The basic cover includes:
- Fire, aircraft, explosion, lightning, storm and flood, theft, riot and malicious damage, impact by vehicles, animals or falling trees, earthquake (except Italy, Greece and Cyprus).
- An increased policy excess of 2.5% of the Buildings Sum Insured applies in respect of Portugal earthquake damage.
- Subsidence cover is not available except in Spain where it is free.
- Accidental damage: whilst property is occupied by the insured or family is available at extra cost.
- Buildings cover: The buildings insurance element is index-linked, and on a new for old basis.
Also included in the cover:
Loss of hiring charges as a result of any of the main perils.
Breakage of glass and sanitary fittings up to £1,000.
Trace & Access up to £1,000.
Debris removal, architect’s and surveyor’s fees.
- Public liability: cover of up to £2,000,000 included for persons who, with your permission, temporarily occupy the property
- Contents – The contents insurance element is index-linked, and on a new for old basis. The basic cover for Contents of the property is similar to that for Buildings.
Also included in the cover:
Theft by violent and forcible entry and cash in gas/electricity meters.
Theft and loss of keys.
Theft of garden furniture up to £750.
- Emergency Travel Expenses
• Following a major loss (claims over £1,500).
• Up to £300 travelling costs for the Insured Person.
• Up to £300 travelling costs for a member of the Insured’s family.
• Up to £400 for temporary accommodation and/or expenses in the event of the home being uninhabitable.
• The overall limit for travel expenses benefit in any one year is £1,000.
Type of property covered
The policy is designed to cover property overseas. The policy does not cover mobile homes, caravans, beach huts or any thatched properties.
Summary of Intasure’s flexible cover
- Your cover is underwritten by one of the world’s leading insurers – Norwich Union
- 20% introductory discount in the first year of the policy (subject to claims experience). This will also apply to your renewal premium after one year
- You can further reduce your premium by up to 10% with an increased excess
- Excess from just £50
- Your property is covered whether occupied or unoccupied
- Your property is covered if let short term or long term
- All policy documents are in English
- Policy covers your swimming pool as well as buildings
- Loss of rent included following a claim
- Covers the purchaser of your home during the period between exchange of contracts and completion
- Covers temporary accommodation following a claim
- Wider cover than a standard Spanish buildings and contents policy
- Wider cover than a ‘community’ policy
- All claims are reported to and resolved by a UK based English speaking team
- Premiums are paid by monthly direct debit in Sterling from your UK bank account
- We cover the cost of emergency travel and accommodation following a major claim
- Policy covers public liability of £2m in regard to buildings and contents (traditionally, Spanish policies provide minimal public liability cover)
- Claims handled by local loss adjusters working for a UK adjusting organisation
- Claims paid in Sterling
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Holiday home insurance: