Property Insurance for the UK and Overseas -
Spain, Portugal, Greece, Italy, Ireland, Germany, Belgium, Holland, Denmark, Sweden,
Malta and Cyprus.
policy is underwritten at Lloyds. Premiums are payable in £ sterling and
the policy is in English. Policies can also be taken out for main residences
in those countries as well.
major risks covered are for the following:-
with road vehicles
also offer a 24 hour claim helpline
a quote please fill in the following form by clicking on the logo below
Copeland Insurance Consultants Ltd is authorised
and regulated by the Financial Conduct Authority
UK regulations jml Property Services are unable to give advice either verbally
or in writing regarding insurance or assist with changes to insurance policies
that you have taken out. You must contact the insurer direct. We are therefore
unable to provide any quotes by letter / email /telephone.
A QUOTE FROM
home insurance policies abroad can be full of catches - Take care.
a holiday home insurance abroad can be very complicated. Dealing with complex
insurance policies on overseas homes is something more and more people are having
to come to terms with.
are now more than 1 million properties owned by the British.
can you do? First of all read and check the small print in the policy. If it is
in a language that you do not understand have it translated.
whether your cover does exactly what it is so that the insurer cannot reject a
claim at a later stage.
sure that your property is compliant for a country's particular legislation. In
France now a swimming pool has to be properly gated and if your pool does not
comply with the law, it could invalidate the entire policy.
sure that your buildings insurance covers the gardens and outbuildings, not just
Let the insurance
company know that you are letting the property out and when you let it out to
holiday makers, make sure that the visitors have taken out their own travel insurance.
some cases you might not be covered for subsidence and earthquakes and the Public
Liability level is often lower such as in Portugal.
like in Britain you might have conditions, that if you are away from the property
for more than a month you might need someone to check it over regularly, drain
down plumbing and leave heating on.
you have a mortgage, the lender might be able to provide advice or as you might
well have a bank account with a bank in the country the property is situated in,
A lot of British based
insurance companies are now covering overseas properties and many of these can
be found via the web. There are now also many multinational insurance companies
operating, names that are familiar in Britain are becoming just as familiar in
France and Spain. Shop around and take care.
revival of UK Holidays, low mortgage rates and extra leisure time has meant more
people are buying second homes. If your additional property is your second home
or an investment, they
have one thing in common - the need for specialist insurance.
do I need Holiday Home Insurance?
you own or are purchasing a holiday home in the UK then most standard household
insurance policies will not protect rented property
therefore need to a specialist policy for your holiday home property that is designed
exclusively for properties used as holiday homes or let for holiday use. As an
owner of a holiday home, it is vital that you fully understand the extent and
limitations of your insurance policy. What restrictions are in place when letting
and unoccupancy etc? Do you have cover for public liability or loss of use?
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