Sending email…Holiday Home Insurance
With the tourism industry estimated to be worth four billion pounds a year to the Westcountry economy, Cornish Mutual understands that there is a vast number of holiday home properties throughout the region, each with their own specific insurance requirements.
Tailored Insurance for your holiday home
Our local Insurance Inspectors and office staff can work with you to ensure that you have the cover that is right for your holiday home insurance needs so you can choose which of the following sections of cover you require.
Buildings and Contents Insurance
We can cover your holiday home against a wide range of risks to your buildings including fire, storm, accidental damage, escape of oil and frost damage to your water or heating systems.
Our contents insurance can cover your furniture, audio and video equipment, loss of domestic oil and metered water - we even include items in the garden up to £750.
Loss of Rent Insurance
Having your holiday home unavailable to rent can have serious financial consequences, particularly during peak season. If your property becomes uninhabitable as a result of loss or damage insured under your holiday home insurance policy, we can cover you for the loss of rent you should have received. As well as the cost of alternative accommodation incurred by your visitors and even their pets.
Employers Liability
Employers Liability insurance is a compulsory insurance for most employers and will enable you to meet the cost of compensation should an employee be injured at work or become ill, as a result of their work, while in your employment. In relation to your holiday home these employees could include casual or sub-contracted labour like cleaners and gardeners.
Our standard cover of £10 million will protect you against the cost of compensation or damages plus any legal fees you may incur.
Public Liability Insurance
We automatically include Public Liability cover with our holiday home insurance which covers legal liability arising in connection with your holiday property for injury to any person who is not an employee or damage to their property up to a sum of £2 million plus costs and expenses.
Our existing Members value our honesty and openness. If you deal with us you can be assured that, as a Mutual Insurer, your premium will work hard for your benefit and not be passed to shareholders.
Guide to letting your property
Today landlords have to consider a wide range of issues when letting property so we thought that you might appreciate some guidance. To assist you in deciding what's right for your property we have compiled a downloadable guide.
Download our guide to letting property.
To discuss your let property insurance needs, see your local Insurance Inspector or contact us.
Ben Richards
Commercial and Personal lines Underwriter
Tel: 0845 0175513
Daniel Digby
Personal Lines Supervisor
Tel: 0845 0175513
Disclaimer
Full details of our insurance products are available from your local Insurance Inspector or our offices in Devon and Cornwall
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Cornish Mutual is a trading name of The Cornish Mutual Assurance Co. Ltd. We are Authorised and Regulated by the Financial Services Authority. The products featured on this site are available to UK residents only and, unless otherwise stated, are provided by The Cornish Mutual Assurance Co. Ltd. No advice on investments has been given. If you are in any doubt as to the suitability of a product you should seek independent advice. Please note all calls are recorded and may be monitored for security and training purposes.