Summer is over and for many, visits to your holiday home will be few and far between until the sunny weather returns. So now’s the time to give your holiday homes a health check to ensure they are ready for the winter ahead.
Many weather related insurance claims could be avoided with some simple maintenance. Inspecting your holiday home now could save you hundreds, if not thousands, of pounds in repair bills at a later stage.
Remember – second home insurance does not cover general wear and tear.
Follow these tips to keep your holiday home protected over the winter…
Although a white Christmas is picture perfect, the snow leads to a flurry of insurance claims – especially burst pipes and cars crashing on icy roads.
Thousands of holiday homes across the country have several inches of snow piled on roofs and in gutters. The worry is that when the thaw begins, water ingress happens and the weight of snow in gutters causes them to collapse.
Does insurance cover snow damage?
For our customers, the good news is that our second home insurance covers loss or damage caused by the weight of snow. However, there are some exclusions – domestic outbuildings etc. see the policy wording.
Our experience is that not all policies offer this cover. Some insurers are covering snow damage under the “storm” provision on a buildings policy. However
27 Jun
Posted by: John Moysey in: Home Insurance
Successful entrepreneurs have a shared element about their personality that reaches beyond a straightforward desire to succeed. This aspiration occasionally enters into the realm of pure obsession. To be triumphant they are willing to extend themselves and their resources while covering all their bases. One of those bases is discovering who has the lowest insurance rates. They understand having quality insurance is a key element of doing business today. Therefore, they will locate a policy that covers their specific needs, but at affordable rates. From the very beginning, a successful entrepreneur will discover how to gain access the best insurance for their new business ventures.
The first thing they will do is partner with an insurance agent they trust.
26 Jun
Posted by: John Moysey in: Home Insurance
People are never comfortable shifting from one insurance provider to another. They prefer sticking to one provider for long durations. This is not necessarily a bad thing. You will enjoy favorable loyalty discounts if you stick with a single insurance provider and provide comprehensive insurance business. The insurance rates you enjoy will automatically come down. However, it is important to ensure that you are enjoying the best possible deal from your insurance provider. Consider the three reasons given below when you are checking out online insurance information.
If you own a holiday apartment in Spain, France or Portugal that is on a complex, check your building insurance – it could be inadequate.
It is common practice that part of a holiday apartment owners community/maintenance fees goes towards the community buildings insurance. However, there is a common misconception from apartment owners that the community building insurance is sufficient to cover their apartment and that they only need additional contents insurance.
Inadequate holiday apartment insurance
The problem is that community building insurance in Spain typically only covers communal areas such as walkways, swimming pools and the basic rebuild of the building structure. U
Millions of shoppers look online for insurance every year with more joining that number every day. These new insurance choices are becoming popular because there are so many advantages in online insurance options.
One of the first things that bring shoppers online is the wide variety of sites they can visit. People are no longer limited to buying insurance from a local agent. They can browse through limitless sites or visit one of the places that allows them to compare many companies at once. Customers find this to be quicker and easier than personally visiting the agents available in their hometowns.
Buyers are also pleased with the security of purchasing their insurance online.