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What does a second home insurance policy cover?
If the property is not your main residence but you visit it frequently it’s likely to be considered a second home rather than a holiday home. So what’s the difference? Mainly what you use if for. If the property is not solely used for holiday purposes and you visit it quite frequently, it less risky for insurers and likely to be a lower premium. If you think your property might best benefit from second home insurance give us a call to discuss. A second home must be in the UK and not let out.
You’re bound to have some contents in your second home so we can cover up to £40,000 of items as standard (In some cases we can cover up to £60,000). This includes all your general contents excluding any personal possessions or valuables. If you have contents in your second home, it would be a requirement of the policy to have suitable security in place due to the time the property is left unoccupied and the increased theft risk. Please see FAQs for suitable security requirements.
The three most common risks when it comes to Second Homes are malicious damage to the property, escape of water and theft or attempted theft. With our policies, you are protected against these as standard so if you do need to make a claim, we have you covered.
When you make a claim, you can rest assured that we will work with you every step of the way to help you understand your claim. We'll also keep you updated at every point so you'll never be in the dark.
If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.
If there are any complications with your claim, get in touch with us and we will keep you updated with the progress of your claim as we follow up with the insurer.
Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.
Get tips and advice from our industry experts to ensure you get the best out of your Second Home Insurance.
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In insurance terms, if you stay at your second home more often than your first home, we would consider the second home to be your main residence. An example would be if you rent a flat in London five days a week but return to your main residence at weekends. In this case you would need to insure both properties on standard home insurance policies to get the right cover.
Yes. Window and door locks must meet our minimum security requirements. Windows must have key operated security devices. Doors must be BS3621, mortise deadlock of at least 5 levers, rim automatic dead latch with key locking handle on inside with key operated multi point locking system with at least three fixing points and lock cylinder with at least five pins to the main entrance door.
Our second home policy will not cover you to let out your property commercially. This includes anyone who stays there who pays your for their visit. If however you let family or friends use the property and do not receive any financial reward, you will still be covered as usual.
The stipulation is that if the home is going to be unoccupied for more than 30 consecutive days, you get someone to inspect the property every 7 days. Properties are at higher risk if they appear unoccupied and regular visits allow for maintenance of the visible areas. Also, regular visits mean that leaks or break ins can be spotted as early as possible, helping minimise damage.
You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). You will still need to pay for the customer service charge and anytime you’ve spent on cover. Simply drop us an email, call or letter and we’ll be happy to process your request.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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