Extended stays away from home
hi, we have home insurance which covers us for extended stays away during winter, however we are thinking of going away early to get away from this dreary weather, does anyone know if there is a company that we can get a one off policy to cover our home
for the period outside our normal insurers limit, hope that makes sense!!!!!! thanks
Comments
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You mean taking out another policy on top of the one you've already got, but only to cover the period which your existing policy doesn't cover? Or a policy to cover the whole of the period you are away
instead of your existing policy?Presumably you've checked with your existing insurance company. For me it would depend on when the existing insurance runs out; as annual insurance tends to be (relatively) cheaper than a set number of weeks. Would it be cheaper just to take out a new
policy but with longer cover away from home?It will probably need some shopping round for.
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I think you may have to define "extended stay" as the number of days a house can be left unoccupied varies greatly from company to company. I wonder if for your particular request it might be worth visiting an insurance broker?
David
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We are with the CC, 90 days cover I seem to remember. Might be taking out the other clubs next year though as they do 180 days I believe.
In answer to your question couldn't you just call your insurance company and explain that you would like to extend the cover you have, usually for a premium.
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thanks for all the replies, its given me food for thought, i might ring C&CC, regards
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When I asked for clarification on our policy as it is only thirty days, the clerk said that as long as a neighbour slept there for one night every thirty days we were covered as a new period of thirty days starts the next day. She calls in every couple of
days to check that all is ok so was quite happy to confirm that she would do that.0 -
like AD we are with Saga, 60 days the norm....(from memory, ill check...) bit last time we were going to be beyond this, i just phoned and told them, and paid a small additional fee...
around the same time, i checked c&cc (not for the first time) as they do 180 days, but the premium was so high (mega high IMHO) that it was far cheaper to continue as i current do with Saga.
i will look at them again (i always shop around) but dont hold out much hope of changing now....what sort of premiums are folk paying c&cc for home cover...?
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like AD we are with Saga, 60 days the norm....(from memory, ill check...) bit last time we were going to be beyond this, i just phoned and told them, and paid a small additional fee...
around the same time, i checked c&cc (not for the first time) as they do 180 days, but the premium was so high (mega high IMHO) that it was far cheaper to continue as i current do with Saga.
i will look at them again (i always shop around) but dont hold out much hope of changing now....what sort of premiums are folk paying c&cc for home cover...?
Difficult to compare different postcodes, different size houses, different amounts of contents cover, different security, different excesses etc, but we are paying around £400 for a 280 sq m. 5 bed property with no alarm fitted.
Double garage, full accidental damage, contents away from home, all risks personal possessions and legal cover included.
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ill check my figures later, but thanks for the info...
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thanks for all the replies, its given me food for thought, i might ring C&CC, regards
You can buy policies to cover 60 or 180 days from the C&CC, just changed mine from 180 down to 60 because I am rarely away longer than the 45 days my annual holiday insurance covers for a single trip.
peedee
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When I asked for clarification on our policy as it is only thirty days, the clerk said that as long as a neighbour slept there for one night every thirty days we were covered as a new period of thirty days starts the next day. She calls in every couple of days to check that all is ok so was quite happy to confirm that she would do that.
I would get that in writing, as most say that in sales/custemer servises, but if you claim, it is another department who process it!!
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Just been looking at insurance policy small print. If the house is left empty, not only all the usual points, but I have to leave the attic hatch open!!
I'm assuming to allow warm air to circulate and prevent burst pipes. IMO a bit of a dated condition unless an older style house that doesn't have good loft insulation. We don't have tanks up there so not required in our case.
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Just been looking at insurance policy small print. If the house is left empty, not only all the usual points, but I have to leave the attic hatch open!!
Might also depend on what sort of system you have as many houses these days don't have any pipework or tanks in the loft. I suppose it would be easy enough to contact the insurance company to see if they really mean what they say!!!
David
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