Pal spends more than 60 days a year at his place in Spain. And has sort of found out his UK house insurance company has a limit of 60 days away a year.
Anyone recommend a specialist broker, etc?
- posted
8 years ago
House insurance for a part timer...
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- posted
8 years ago
He might well find that that is a total, and only 30 days consecutive are allowed.
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- posted
8 years ago
In message , "Dave Plowman (News)" writes
Dave, I had a problem with household insurance, and found HLI to be very helpful. My problem was nothing to do with being away, but these people tend to be a bit more specialist and actually discuss problems with underwriters, rather than just tick boxes.
HLI Wessex House
4 Greystoke Business Centre Portishead Bristol BS20 6PY0844 579 0064
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- posted
8 years ago
I would google for "Holiday Home" insurers. He might be able to cover his english home as a holiday home (even though that seems arse about face) - but it may give him much more latitude as to not being there.
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- posted
8 years ago
Is it 60 days a year total? Or 60 consecutive days? I've been told that on some policies, if a friend/relative spends one night there every 60 days (using the phone to document his presence), it meets the terms.
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- posted
8 years ago
Yup, it's worth checking the *exact* wording on the policy.
Had some friends with a place in France they were renovating. I was slightly surprised to see British electrical sockets when I visited :-)
Anyway, to meet the requirements of the insurance policy, their son use to stay overnight on Saturday every few weeks. He mowed the lawn on Sunday morning and then returned back to his home. Job done as far as the insurance policy was concerned.
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- posted
8 years ago
Either or both. Makes no difference in this case, as both are exceeded.
One company has quoted. They require a documented visit by a neighbour or whatever every fortnight. But that happened anyway - and more frequently to clear any mail which is a giveaway of an empty house. And keeping the front garden so it looks occupied.
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- posted
8 years ago
Has he discussed it with his insurance company? Some companies will extend the permitted absence period for a small fee.