Holiday home insurance – 10 reasons to choose Intasure
A second home is a valuable asset that you will want to protect in the best way that you can. Finding the right insurance for your second home or holiday home, either overseas or in the UK can be a struggle. Intasure is one of the leading insurers for second homes and here are 10 reasons why:
Intasure offers Peace of Mind cover exclusively to Holiday Lettings clients that includes cover against Malicious Damage by your tenants, protecting your property from the rare but devastating effects of destructive guests. Letting your second home to strangers can be a worry for some home owners. You may have spent a lot of time on the property making it perfect for your tenants and you will want to keep it that way.
Intasure does not have an unoccupied clause, allowing you to use your second home as it was intended. As a second home it is obvious that your property will be used sparingly, such as the odd weekend or a week or two at a time throughout the year, however, many insurance companies will exclude all cover on a property if not lived in for more than 30 days.
Intasure offers public liability up to £5million, so should the worst happen and a tenant tries to hold you liable as the property owner, your court cost and legal fees will be covered. One of the things that puts people off renting out their second home is the issue of liability. If someone was to injure themselves in your property, on either the buildings or the contents they could hold you liable for the damage done to them.
Intasure’s policy offers cover for loss of hiring charges. Another matter that worries people about renting out their holiday home is the question of what you would do if the property was made uninhabitable and you had a booking for that week. Paying back that booking fee could be devastating, especially if you have already spent it!
Intasure is a UK based company and as such it employs English speaking advisors and all your policy documents and correspondence will be written in English so you can see exactly what you are covered for.
Intasure takes care of all its claims and do not out source them to another company. This ensures a claims service which is fast and competent with a claims team that knows the policy in depth.
Intasure’s policies are underwritten by Lloyds of London which has a worldwide network of loss adjusters. This means that Intasure have access to loss adjusters in every country that they insure in. So whether your property is in Scotland, Italy or Thailand you can expect the same quick claims service wherever you are.
Intasure offers a Direct Debit payment option, which allows you to pay for the policy monthly in 12 instalments. There is a charge for paying monthly but when calculated at 4.2% of the annual premium, it is one of the lowest charges you will find.
Intasure can offer full policy wordings written in French, Spanish, German, Portuguese and Dutch. When you go abroad to purchase a property you may get a mortgage from a bank that is native to that country. In the initial stage you may be tied in to buy the insurance policy which that bank insists on you using but after a few years you may be free to pick an insurance company of your own liking. Even still they may demand to see the policy wording written in their own language.
Intasure offers emergency travel cover with their policy, which can reduce the cost of an urgent trip to your holiday home. If your living and working in the UK and you receive a call that you holiday home in Greece has suffered in an earthquake, you will need to get out there as soon as possible.
When all these factors come together they make a fully comprehensive and reliable insurance policy for your holiday home and second home. When you leave something as valuable as your second property alone in a different part of the country or even a different part for the continent, you will need to be confident that if anything did go wrong, you are in safe hands.
Intasure is an insurance provider that specialises in providing comprehensive and flexible cover, against all eventualities, for holiday homes in the UK and overseas.
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.