Holiday Home FAQs from Click4quote

Below are some of the most common questions we are asked about our holiday home insurance. If your question is not found below we are always happy to answer any questions you may have about this product over the phone.

Do you offer holiday home insurance for property in the UK?

Yes. Click4quote offer cover for holiday homes in the UK as well as overseas.

Which overseas countries do Click4quote offer holiday home insurance in?

Click4quote can cover your holiday home located in France, Spain (including the Balearic and Canary Islands), Cyprus, Greece, Italy, Ireland, Portugal & Bulgaria (certain resorts only).

What excess options do I have for my holiday home policy?

Click4quote holiday home insurance offers three excess options; £100, £250 or £500. Having a higher excess will lower the premium you pay for your insurance.

Other standard excesses apply for escape of water claims. Specific earthquake and subsidence excesses may also apply depending on your quote.

Can I obtain a quote and buy second home insurance from Click4quote online as well as over the phone?

Yes. We like to make it easy for clients to obtain a quote and to purchase their insurance. Either call us on 08450 89 90 91 or 01206 771755 and speak with a friendly operators either for a new quote or to discuss a quote you have obtained online. Alternatively buy online using our interactive quote engine. You will receive a cover note by email, with documents posted to you within 14 days.

Is click4quote holiday home insurance cover suitable for both personal use and buy to let?

Yes – the policy covers your personal use and short term lets on a commercial basis. The policy isn’t designed for long term letting however we can quote for this for UK property under our buy to let insurance section.

How can I pay for my holiday home insurance?

Many find the easiest way to pay is by debit or credit card on our secure website or over the phone. Alternatively you have the option to pay by direct debit for your holiday home insurance cover. Simply call us and this can be arranged for a minimal charge of £15

Can I cancel my holiday home insurance cover?

If the policy is unsuitable for your needs you can cancel within 14 days of receiving your policy documentation (providing no claims have been made) for a full refund. After this period cancellation changes do apply. To cancel please confirm this in writing to click4quote.

How much should I insure my holiday home building for?

Rebuilding calculations need to consider not just the cost of building the main property, including site clearance cost and solicitors and surveyors' costs, but also remember to include the cost of rebuilding any outbuildings, swimming pools, boundary walls etc. Underinsuring your property will affect any claims that are made

What happens at renewal?

When your policy is due for renewal we aim to send you a renewal notice at least 21 days before the renewal date. We will then contact you to ensure all of the details are correct and ask if you would like to renew. If you paid by Direct Debit your policy may automatically renew unless you call us to confirm you do not wish to renew.

Are there any types of properties you will not cover under the holiday home cover?

We are able to quote for a wide range of holiday homes but with any product offering there are a few types of property we cannot cover under this wording (however we can usually quote under another policy type). Unfortunately we are unable to cover the following:

• Property situated over any shop or business or used for any business
  (other than holiday letting)
• Property in a block of more than 10 flats/apartments.
• Chalets
• Your main residence or permanently unoccupied property
  (We are able to quote for this business under our other types of product)
• Let on a long term basis to tenants
  (We are specialists in UK buy to let insurance)
• Property being renovated or constructed

What is IPT and other included in the quote?

Our quotes include the relevant taxes levied by governments in country where your property is located.