Tailored Insurance for your holiday home
Our holiday home insurance is for properties that are let out
for the majority of the year. It is not suitable for holiday homes
that are unoccupied for long periods of time.
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.
