It is currently Mon Aug 21, 2017 12:16 am

All times are UTC + 1 hour





Post new topic Reply to topic  [ 7 posts ] 
  Print view Previous topic | Next topic 
Author Message
 Post subject: UK House insurance
PostPosted: Tue Jun 06, 2017 7:05 pm 
Offline
User avatar

Joined: Mon Feb 02, 2009 3:57 pm
Posts: 3410
Location: Sussex and Cantal
Most uk house insurance polices will not cover a house unoccupied for more than 60 days. If, like me, you spend more time than this abroad (we tend to spend the summer in France and take up to 4 months) this means that you have to seek a specialist insurer. I have an insurance policy that allows me to be away for longer but insists that the elctricity is turned off in the house. Last year I pointed out that this would turn off the alarm, the internal and external cctv and also the timed lights in the bed and sitting rooms, and they allowed me to keep the electricity on. This a year changed underwriters have insisted that the power must be off, despite the compromise to the security systems this means. I thought brokers may be able to help, but one insisted that no company would allow you to be away for more than 60 days (despite my telling her that I was already insured with someone who did) and another simply said that they did not do such policies, and didn't know who would. I have scrabbled around to find an insurer who wasn't quite so barmy (for another £100) but they will only let me be away for 3 months at a time (just about do-able this year, but I hope for a longer stay next year).

Others must be in a similar position to me, and I wondered whether anyone had a sensible insurer, who will let you stay away for longer, not insist on your disabling the very systems you have installed to keep the house safe, and not charge the earth. Help, please!


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Tue Jun 06, 2017 7:20 pm 
Offline
Site Admin
User avatar

Joined: Sat Jan 31, 2009 4:03 pm
Posts: 23740
Location: Ille et Villaine (35)
Would an insurance company be happy if you said you had someone coming in from time to time ? My parents' house is empty as it's in a rather long drawn out process of being sold. The insurance company have insisted that someone sleep over for two or three nights every month. However, they have not insisted on the electricity being switched off because of the alarm system, lights etc.

What's the point in making a limit on the time you spend away : the house could be burgled after one week, two weeks, 6 weeks ..... It could also be burgled 5 minutes after you went shopping.

It's as ridiculous as French insurance companies insisting you shut the shutters : it immediately says "There's no-one here, come and help yourselves". Most ordinary shutters are very easy to open from the outside ...


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Tue Jun 06, 2017 7:23 pm 
Offline
User avatar

Joined: Mon Feb 02, 2009 3:57 pm
Posts: 3410
Location: Sussex and Cantal
It is a requirement in all the policies I've seen that if the house is unoccupied for more than 30 days it has to be visited once per week by a trustworthy person. Our neighbour very kindly does this for us, so that won't make any difference to the other terms and conditions.


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Wed Jun 07, 2017 6:40 am 
Offline
User avatar

Joined: Sat Jan 31, 2009 2:44 pm
Posts: 11357
Location: The Republic of Limousin
Surely a French insurer will do this? There must be hundreds of thousands of insured holiday homes in France, often used only in August. Our original 2nd home (+ contents) was insured with a local insurer and occupied only at Easter and a month in the summer.

_________________
http://traduction.juridique.free.fr
I've been rich and I've been poor. Rich is better.
(Tracy de Scartes)


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Wed Jun 07, 2017 5:26 pm 
Offline
User avatar

Joined: Sun Feb 22, 2009 5:26 pm
Posts: 2522
Elstow wrote:
Most uk house insurance polices will not cover a house unoccupied for more than 60 days. If, like me, you spend more time than this abroad (we tend to spend the summer in France and take up to 4 months) this means that you have to seek a specialist insurer. I have an insurance policy that allows me to be away for longer but insists that the elctricity is turned off in the house. Last year I pointed out that this would turn off the alarm, the internal and external cctv and also the timed lights in the bed and sitting rooms, and they allowed me to keep the electricity on. This a year changed underwriters have insisted that the power must be off, despite the compromise to the security systems this means. I thought brokers may be able to help, but one insisted that no company would allow you to be away for more than 60 days (despite my telling her that I was already insured with someone who did) and another simply said that they did not do such policies, and didn't know who would. I have scrabbled around to find an insurer who wasn't quite so barmy (for another £100) but they will only let me be away for 3 months at a time (just about do-able this year, but I hope for a longer stay next year).

Others must be in a similar position to me, and I wondered whether anyone had a sensible insurer, who will let you stay away for longer, not insist on your disabling the very systems you have installed to keep the house safe, and not charge the earth. Help, please!


Try these (if you haven't already)

https://www.towergateinsurance.co.uk/ho ... lsrc=aw.ds

https://www.unoccupied-property-insuran ... AgpT8P8HAQ

http://titan-insurance.com/landlords-in ... AkS28P8HAQ

_________________
Human history becomes more and more a race between education and catastrophe.
(H G Wells)


I.C.U...............Jimmy........20/20 vision.


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Fri Jun 09, 2017 10:56 am 
Offline
User avatar

Joined: Mon Feb 02, 2009 3:57 pm
Posts: 3410
Location: Sussex and Cantal
Thanks. I am with Towergate at the moment. I may contact Credit Ag to see if they would do it. The insurance on the french house, which is occupied far less than the UK one is minute in comparison.


Top
 Profile  
 
 Post subject: Re: UK House insurance
PostPosted: Fri Jun 09, 2017 12:04 pm 
Offline

Joined: Tue Feb 03, 2009 9:08 am
Posts: 2239
Location: Ardeche
Yes, but do look at the contents value on your French insurance and see what it could go up to at full UK values.

_________________
Andy


For every problem there is a solution that is simple, quick ..............and wrong.


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 7 posts ] 

All times are UTC + 1 hour


Who is online

Users browsing this forum: No registered users and 1 guest


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Jump to:  
cron



Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group
greenmiles v1.1 designed by CodeMiles Team -TemplatesDragon-.