House insurance for longer trips

beverley12
beverley12 Forum Participant Posts: 87
edited December 2018 in Overseas Campsites & Touring #1

We are planning a trip touring various parts of Europe, starting April returning mid July. We realise that we will need to inform house insurers and pay some extra but we're rather shocked at how much extra it was. Have others found this to be the case? Advice welcome please. 

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  • Unknown
    Unknown Forum Participant
    edited December 2018 #2
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  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2018 #3

    As David said C&MC and C&CC both have a 90 nights out of house cover as standard. Saga has a 60 nights out of house policy but you can extend that for a small amount.

  • cyberyacht
    cyberyacht Forum Participant Posts: 10,218
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    edited December 2018 #4

    My house policy is 45 nights so there would appear to be no industry norm.

  • Bakers2
    Bakers2 Forum Participant Posts: 8,196 ✭✭✭
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    edited December 2018 #5

    We use C&CC, got decent quotes too. Automatic upgrade from 90 days to 180 days in 365. No clauses for  someone to visit to house, heating, on, loft hatch open etc. We are often away 3 months in the winter so important to us.

  • Unknown
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    edited December 2018 #6
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  • young thomas
    young thomas Forum Participant Posts: 11,356
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    edited December 2018 #7

    I've tried (at least twice) to switch to C&CC for this very reason but they have been massively expensive...undecided

    as TG mentions, we are with Saga and just tell them we will be away a bit longer than the 60 day 'std'...

  • Unknown
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    edited December 2018 #8
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  • ValDa
    ValDa Forum Participant Posts: 3,004
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    edited December 2018 #9

    Do you mean 'Buildings Insurance' - or contents insurance - or do you have a combined policy?

  • dunelm
    dunelm Forum Participant Posts: 373
    edited December 2018 #10

    We were with Prudential for decades but once our daughter left home we changed to insuring through CCC because of the 180 days in any year that we could be away.  The policy is with Royal and Sun Alliance. Prudential couldn't offer anything near, the premium through CCC was half of the Pru for equal cover (plus the extra time away) for combined building and contents and the Pru representative said that RSA was a company of equal standing and reputation to the Pru.

    Unfortunately, last year whilst we were in France we had a break in at home. RSA/CCC dealt with things efficiently, speedily and very fairly. They initially dealt with my daughter until we returned. The house was quickly secured and locks changed as some spare keyswere in the safe which was wrenched from its fixings and taken. My daughter found dealing with them very easy and once we returned RSA settled the claim easily and completely to our satisfaction. There was an excess of £50 for contents and £50 for building so I expected an excess of £100 as both back and front doors were damaged and various contents were stolen. However it was only £50 as it was one claim. (I don't know if this is normal with other companies).

    When the renewal schedule arrived a few months later there was only a modest increase.

     

  • beverley12
    beverley12 Forum Participant Posts: 87
    edited December 2018 #11

    Many thanks for all the information. I will follow up the suggestions. As usual folk have been very friendly. 

    Yes another David I do believe we are on the same crossing. We are a VW Tiguan towing a Coachman VIP. We will look out for you and say hello.

  • Unknown
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    edited December 2018 #12
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