Holiday Cottage Cover

Whether you let your cottage out as a business or keep it for yourself and your family, our holiday cottage policy is for you.

• Having a specialist scheme policy means that you know that your insurers know that it's not your main residence, this means you will not be terrorised by ambiguity when it comes to sorting out claims.
• It also means that you are not tied down; it is not dependent upon you insuring your main home in the same place.
• Liabilities are covered; the liability section is automatically included with your cover giving peace of mind in these litigious times.
• This scheme is special! We have chosen a leading insurer with a long pedigree of providing excellent claims and underwriting services. We have personal contact with the company and excellent relationships. This means that we can give you the very best in personal service should you experience any problems.
• Insurance with a face: you will not be dealing with different people every time you contact us, you will not have to waste time explaining your circumstances over and over again.

For a competitive quotation for your holiday home, phone us on 01943 831528 and let us offer you a quotation free of charge. The scheme is based on a standard home insurance policy with all the usual extras and extended with additional features because it is for holiday homes. Scheme Features include:

• Liability cover extends to the business of letting out the property for paying guests.
• Unoccupancy conditions which normally exclude theft, malicious damage, burst pipes and fixed glass are lifted.
• Loss of rent or alternative accommodation costs up to 20% of the buildings sum insured are covered following an insured event.
• Up to £5,000 is covered for trace and access of leak sources.
• Subsidence of the buildings is covered subject to an excess of £1,000.
• Accidental damage to underground services for which you are responsible from the mains supply to the property is covered.
• You can optionally choose extended accidental damage cover.

There are also some exclusions over and above those usually applied because the property may be tenanted or regularly left unattended. These need not be a major cause for concern as long as you are prepared. You will find much of what is excluded will be covered under the personal possessions extension of your main household insurance policy:

• Cover does not apply for money or food in freezers.
• Possessions of paying guests are not covered.
• Where the property is let to paying guests, theft cover only applies if there has been forcible and violent entry to or exit from the property.
• Items defined as 'valuables' such as jewellery, portable items and clothing are not covered when you are not in residence.

For more details please contact us.