Holiday Home Insurance

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Holiday Home Insurance

Holiday homes vary enormously, whether you've got a cottage in Cornwall, a villa on the Costa Blanca or a chalet in the Alpes, you'll want to ensure your home away from home is fully protected should the worst happen.

Do I Need Specialist Cover if I'm Letting my Holiday Home?

Whilst it isn't a legal requirement in the United Kingdom (it might be elsewhere in the world), it's always a good idea to have cover if you have paying guests. Public liability insurance will cover you if a guest injures themselves in your holiday home. You'll also normally be protected if your guests cause any damage to the property or your contents.

How Does Holiday Home Insurance Differ to Home Insurance

Holiday homes are normally used very differently to your main home. They'll often be left unoccupied for long periods of time, plus they may be occupied by friends and family or paying guests. Most standard home insurance policies won't cover this sort of use as the risk is very different, for example it's more vulnerable to leaks whilst unoccupied or to damage from paying guests.

Tips for Holiday Home Insurance

Choose the right cover

Make sure the policy you choose covers your needs. Make sure your insurer understands how you use your holiday home so they can tailor cover to your specific needs. For example don't ask for letting cover if the property will only be used by you.

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Holiday Home Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

What do you use your holiday home for, what type of building is it, do you need contents or lettings cover?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Home Emergency?

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