Holiday cottage insurance

For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.

• If you’re a permanent resident in the UK, with properties in the UK, your policy and cover won’t change at all.

• If you’re a permanent resident in the UK, with properties in the EU, your policy and cover won’t change at all.

• If you’re a permanent resident in the EU, with properties in the UK, your policy and cover won’t change at all.

• However, if you are a permanent resident or domiciled in the EU, with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled on 1 January 2020 and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

• If you’re a permanent resident in the EU, with properties in the UK, we will still be able to cover you.

• However, if you are a permanent resident in the EU, with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

If you have a unique case, our Specialist Property team can assess your individual circumstances to confirm if we have a policy for you. As mentioned above it may fit into the category of second home insurance but if not we may still be able to find cover that fits, call the team to discuss your circumstances and we will try our best to find you cover.

We provide cover for replacement locks to external doors of the home, alarm systems and domestic safes fitted in the home if the locks are accidentally lost or stolen.

Most providers will not insure properties which are left unoccupied for more than 30 days at a time, which is why you need to come to a specialist provider.

Our holiday home insurance policy can only cover properties in the UK, Republic of Ireland, Spain, France, Portugal, Southern Cyprus and Greece.

It depends on the type of property and policy cover you have, please refer to your policy wording. For holiday home cover (‘not let’), Accidental Damage is included as standard when occupied by your household family members. You can choose to extend your Accidental Damage cover to include damage by guests such as friends or family you do not live with permanently. If you have second home insurance, you just need to let us know.

If you are planning on renting your property, you will need to let us know so that we can update your policy. Optional extended cover for Accidental Damage is also available for rental guests, subject to having a written rental agreement in place Speak to one of our friendly advisors to find out more.

The requirements of your policy will not change, and as your guests may not be familiar with your property it is worth carrying out an inspection after they have left. Your guests must leave the property in accordance with the unoccupied element of your cover, please refer to your policy documents.

Yes we can provide expat insurance for your property. Get in touch with our team with any questions you may have.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.