Intasure's Winter Warranty

 
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Intasure's Winter Warranty


This winter may have been milder than the two previous winters we experienced here in the UK but the need to stay cautious remains strong. As we draw closer to the end of winter the threat of severe cold may seem to be decreasing, however, Intasure's winter warranty still applies.

During the coldest months of the year, Intasure ask that when the property is left alone you take extra care to protect your property from frost damage. These may seem like drastic measures to prevent your pipes from freezing, but the destruction that burst pipes can cause can be devastating:

  • If you have a Second/Holiday Home policy with Intasure then the Winter Warranty will be in force from December to February. The warranty will stipulate that, when the property is left unoccupied for more than two days, the heating is left on at a minimum temperature of 15°C or alternatively to turn the water off at the stop cock and then to drain the taps.

  • Other Intasure policies will also ask you to take extra care with your property. If you have a property insured under our Static/Park home policies then, again, you are asked to turn off the water at the mains and drain down the water or to use a full central heating system to operate daily and overnight. This is required to be done from 1 October to 15 March.

  • According to the Association of British Insurers, the height of the cold weather last winter saw insurance companies handling 3,500 burst pipe claims a day. The average damage caused rising to approximately £7,000 per claim, however, some claims rose much higher.

  • The time taken to rectify the damage done by burst pipes varies depending on severity of the water damage. Intasure have had a number of claims from the last couple of winters which have left the property uninhabitable for an entire year. Due to the state of the properties the owners were unable to take any more bookings, closing up a valuable source of income for the property owners even with Intasure paying the rent lost from their confirmed bookings.

  • The pipes which are most at risk are in the loft of your property. This is generally due to poor insulation found in the roof of many properties. Good insulation in the roof of your property will not only save you money on your heating bills but also protect the pipes in your roof from freezing. You may be eligible for free insulation from your energy supplier so it is always worth asking if they provide this service.

  • Another way to protect your pipes is to cover them with lagging. This, essentially, is the equivalent of a coat for your pipes that, like with any other coat, will keep them warmer. Insulation and lagging are both long term precautions against frost damage which may take time to install.

  • The real danger comes from when you are away from your property, as you are not there to monitor the temperature of your property or to be on hand if anything should go wrong. The safest precaution that anyone can take is to turn off the water going into the property. This can be done by turning off the main water stop cock. Once that has been done the taps can simply be turned on to drain the system of water.

  • Another way, is to maintain the heat in the property. Setting the thermostat at a safe temperature can protect the property from freezing whilst you are away even if the temperature plummets. If you do decide to choose this method it is always a good idea to leave your loft hatch open to allow hot air to circulate throughout the entire property.

  • Ultimately, you do need to make sure that you are complying with the terms of your insurance policy. If you do not then you may find that your policy is invalid, even if you have made other attempts to protect your policy. For instance, the temperature that you set your thermostat to may depend on what your policy states. The best course of action would be to take as many steps as you can to prevent any damage done to your property above and beyond what your policy states as, although it will be your insurance provider that picks up the bill, your property could be rendered useless for months.


Intasure

Intasure is an insurance provider that specialises in providing comprehensive and flexible cover, against all eventualities, for holiday homes in the UK and overseas.

Intasure - insurance that speaks your language

Authorised and regulated by the Financial Services Authority and with years of experience, every Intasure policy is underwritten by Lloyds of London and other international insurers and offers a host of benefits. One of the key advantages is the UK-based English speaking team that resolves any problems that may arise. In addition, all policy documentation is written in English - so you know exactly what you are getting.

Wider cover for your protection
Intasure’s cost effective policies provide far wider cover than most standard European policies. They also cover your specific property, unlike Local Community Insurance which can be deceptive. Add £5 million worth of essential public liability cover, which is important for anyone who lets their property, and you have truly comprehensive cover at a very competitive price.


Cover Available For:

UK residents and expatriates with holiday homes in: The UK, Austria, Brazil, Belgium, Bulgaria, Cape Verde, Croatia,Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Morocco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Thailand, Turkey, United Arab Emirates, (including Dubai) with more being added.

Visit Intasure to complete their quotation form

Alternatively, you can call Intasure on 0845 111 0680 (quoting 202855) for immediate cover

Up to 40% risk related discount is available on overseas and UK holiday home insurance.