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.
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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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jml
Property Services acts purely as an introducer under the terms
of the UK FSA (Financial Services Authority) regulations for
insurance products on this website. We are not insurance brokers
and are unable to offer advice or deal with any of our advertisers
enquiries under the UK FSA regulations. All dealing must be
with the insurance company that you will gain access to via
a link from this website. 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 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.
_______________________________________________________________
Advertise
your holiday vacation home property
at - jmlvillas.com No
Commission or booking fees for owners or renters
Click
Here for details
