Holiday
Property Insurance (in English) for the UK and Overseas
-
France,
Spain, Portugal, Greece, Italy, Ireland, Germany, Belgium, Holland, Denmark, Sweden,
Malta Cyprus and more.
Also
- Main residence property insurance in those countries and more
Owning
a holiday home is the opportunity to have somewhere to regularly visit. A home
by the sea in the mountains or city centre. A base to go and play golf in the
sun or sail on azure blue skies - skiing throughout the winter or walking each
morning to that distinctive Mediterranean aroma of pine and bougainvillea lazing
around the pool or sitting by the river watching time go by.
Whatever
your reason for owning a holiday home property - pleasure - investment or business
there is one issue that you must not forget - The insurance for it.
You
may consider insuring locally, but then don't understand the language well enough
if there are not advisers to help you in fluent English.
What
is the answer? Why not use an UK based company with the policy written in
English?
And
what if that holiday home in France, Spain Portugal, England etc- is not just
a holiday home, but your main residence? That is not a problem
The
policy offered via Andrew Copeland is underwritten at Lloyds. Premiums are payable
in £ sterling and the policy is in English.
The
major risks covered are for the following:-
- Theft
- Malicious
Damage
- Fire
- Flood
- Burst
Pipes
- Storm
- Impact
with road vehicles
- Subsidence
- Landslip
- Heave
- Earthquake
- Tenants
liability
They
also offer a 24 hour claim helpline
For
a quote please fill in the following form by clicking on the logo below
You
will be leaving this site and going to jml insurance
Andrew
Copeland Insurance Consultants Ltd is authorised and regulated by the Financial
Services Authority Jeffrey Milner Ltd T/A jml Property Services acts as introducers
to Andrew Copeland Insurance Consultants Ltd .Under UK FSA regulations jml Property
Services are unable to give advice either verbally or in writing regarding insurance
or assist with changes to insurance policies that you have taken out. You must
contact the insurance company (Andrew Copeland Insurance Consultants Ltd) direct.
jml Property Service are therefore unable to provide any quotes by telephone.
_____________________________
Why
do I need Holiday Home Insurance?
If
you own or are purchasing a holiday home in the UK then most standard household
insurance policies will not protect rented property
You
therefore need to a specialist policy for your holiday home property that is designed
exclusively for properties used as holiday homes or let for holiday use. As an
owner of a holiday home, it is vital that you fully understand the extent and
limitations of your insurance policy. What restrictions are in place when letting
and unoccupancy etc? Do you have cover for public liability or loss of use?
Holiday
home insurance policies abroad can be full of catches - Take care.
Claiming
on a holiday home insurance abroad can be very complicated. Dealing with complex
insurance policies on overseas homes is something more and more people are having
to come to terms with.
There
are now more than 1 million properties owned by the British.
What
can you do? First of all read and check the small print in the policy. If it is
in a language that you do not understand have it translated.
Establish
whether your cover does exactly what it is so that the insurer cannot reject a
claim at a later stage.
Make
sure that your property is compliant for a country's particular legislation. In
France now a swimming pool has to be properly gated and if your pool does not
comply with the law, it could invalidate the entire policy.
Make
sure that your buildings insurance covers the gardens and outbuildings, not just
the house.
Let the
insurance company know that you are letting the property out and when you let
it out to holiday makers, make sure that the visitors have taken out their own
travel insurance.
In some
cases you might not be covered for subsidence and earthquakes and the Public Liability
level is often lower such as in Portugal.
Rather
like in Britain you might have conditions, that if you are away from the property
for more than a month you might need someone to check it over regularly, drain
down plumbing and leave heating on.
If
you have a mortgage, the lender might be able to provide advice or as you might
well have a bank account with a bank in the country the property is situated in,
contact them.
A lot of
British based insurance companies are now covering overseas properties and many
of these can be found via the web. There are now also many multinational insurance
companies operating, names that are familiar in Britain are becoming just as familiar
in France and Spain. Shop around and take care.
Holiday
Home Insurance
The
revival of UK Holidays, low mortgage rates and extra leisure time has meant more
people are buying second homes. If your additional property is your second home
or an investment, they
have one thing in common - the need for specialist insurance.
Find
out more here
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euro-rentals.com
is a trading name of jml. jml Property Services
acts purely as an advertising service for insurance companies.products
on this website. We are not insurance brokers and are unable
to offer advice or deal with any of our advertisers enquiries.
All dealing must be with the insurance company that you will
gain access to via a link from this website. jml Property Services
are unable to give advice either verbally or in writing regarding
insurance or assist with changes to insurance policies that
you have taken out. You must contact the insurer direct. We
are therefore unable to provide any quotes ourselves as we would
be breaking the law. All dealing must be with the insurance
company that you will have accessed via a link from this website
jml,
jml Property Services, jml Villas.com, jml Training & Consultancy & euro-rentals.com
are Trading names of Jeffrey Milner Ltd Established in 1979.
______________________________________________
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