Holiday Home Insurance outside the UK and Ireland written in English

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) February 17, 2009 -- The problem for many holiday home owners is that once they have found their dream property it’s absolutely crucial that they get it properly covered. Without the right insurance policy, they could have problems when they come to claim and find out you don’t have the cover they thought they had.

The property owner needs to choose an insurance company with the policies written in “plain English”. jml Insurance.co.uk act as introducers to a number of specialists including Intasure, Andrew Copeland International, Devon Direct and Ember DJ Insurance Brokers. They have been introducing holiday home owners to these products for the past three years and numerous insurance policy sales have been made as a result of their introduction.

Philip Suter of jml-insurance.co uk said “Wherever you choose to buy your holiday home, you’re not going to live there full time and need to know your investment is properly protected. Having the right insurance is all about understanding what assets you own, what liabilities you are exposed to, and what external events can occur which will put you at risk.

Local insurance policies can include variations and exclusions relating to burglary, accidental damage or personal liability claims. Some of these might not include water supply or gas supply pipes or electric cables to the property becoming damaged. There might be restrictions on you letting out the property as a holiday rental or longer let. Other policies might only give a maximum of 90 days un-occupancy at a time and this is not very satisfactory if you have left your holiday home in August and don’t return till the end of January for example.
It is imperative that you check all the details (“small print”) thoroughly and if need to keep the electricity on to keep the heating or burglar alarm working, make sure you let the insurance company know this from the start.”
Taking the appropriate action from the start will avoid problems when a claim occurs particularly if there was a fire caused by an electrical fault and under the terms of the policy, the electricity was meant to be switched off!

A client should never assume that what is covered under their UK home insurance will automatically be covered abroad, as the expectation of what should be standard cover differs greatly country to country, so that is why it does help having the policy written in English.

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