Second home Insurance and holiday property insurance
Owning a holiday home is a great way to invest in the happiness and health of both yourself and your family. For many people, simply knowing that there's a
place to go when the struggles of day-to-day life become too much can really make a difference to stress levels and overall wellbeing.
Of course, just like any other property, things can go wrong - especially since holiday homes may only be used from time to time. That's why specialist
second home insurance for UK and overseas properties is so important.
Established in 2004, Click4Quote combines competitive premiums with a policy wording written in English including specific liability sections for overseas
countries. We work with many of the UK's leading insurers with our holiday home insurance being underwritten by Aviva, RSA and AXA.
If you're seeking property insurance for UK second homes or residences abroad - in destinations such as Spain, France,
Portugal, Ireland, Italy, Southern Cyprus or Bulgaria (certain resorts) - we can help you with a cheap quote online or over the telephone.
What's covered by second home insurance?
Whether you're seeking property insurance in the UK or for a residence abroad, it's essential to find cover that matches your requirements, as well as any
special needs of the residence.
The cover provided by Click4Quote can include accidental damage, as well as holiday home contents insurance. In addition, the insurance can cover you if you
rent out the property on amore commercial basis or allow friends and family members to stay there when you are not present.
If you're looking for overseas holiday home insurance, the benefits also include a multi-lingual interpretation service. This is ideal for emergency
situations, but can also be used for other purposes, such as making dinner reservations.
With different laws applying in many European counties the policy includes specific liability sections for French, Spanish and Portuguese holiday homes.
In addition, the cover will include transport to the property if any incidents occur.
Keeping costs down on your insurance policy
Owning a second home will mean you only want to pay for the cover you need so when you get a quote we provide the option to include two important covers
available which are;
The standard holiday home insurance excess is £100, with a £500 excess for escape of water when covered. If subsidence or earthquake cover is
available these will also attach a separate specific excess. Generous discounts are available for selecting a higher standard excess of £250 or
£500.
Full accidental damage cover is available with our second home cover however it is not provided when the accommodation has been sub-let by you or an agent.
While UK and overseas second home insurance is essential for protecting your property financially, there are a number of things that you can do to lower
the cost of your cover, such as maintaining a no-claims bonus.
To avoid making an insurance claim, as well as to prevent the unpleasant surprise of discovering your holiday home has been burgled
- make sure that all doors and windows lock securely and that everything is closed up tightly before you leave. You should also put away any garden tools,
ladders or other such items that burglars could use as tools to break in to the building.
Many people choose to ask neighbours or an agency to check in on the property on a regular basis. Also, mark your valuables and keep photographic records of
them - this can help police investigations and with making a claim.
Finally, keep the building in good condition, maintaining and renovating its structure as need be to avoid both burglary or weather damage. It is worth
taking the time on every visit to make sure nothing needs special maintenance. For example, check for loose tiles and clear out the gutters.
Protect your holiday home with help from Click4Quote.com
To find out more about the holiday property insurance policies available from Click4Quote.com, contact us today. A member of our
team will be happy to discuss your requirements and provide advice and assistance to ensure you get the right cover.
You can also request a second home insurance quote online, so whether you need a Spanish holiday home policy, or cover for a residence elsewhere, you can
quickly get started.
We also offer travel insurance - the perfect accompaniment to UK and overseas holiday property insurance.
Obtain a competitive holiday home insurance quote online or over the phone by speaking with one of our experienced agents. If you are happy with your quote
you can there and then or call us if you have any questions before you purchase.
It's good to remember that although you can quote and buy your holiday home cover online, we have a UK based customer call centre that is available to help
you.