Over 30 days away from home House & Contents Insurance?

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Explore Club Member Posts: 7
First Comment
in Overseas Campsites & Touring #1

Can anyone recommend a reputable company that offer decent policy cover if away from home for more than the standard 30 days cover? I am aware the Caravan & Motorhome Club provide 90 days but I would like to know if anyone has any experience of dealing with them? Saga also provide a 60 day cover but get terrible reviews. I welcome any ideas or comments. Thanks :-)

Best Answers

  • eribaMotters
    eribaMotters Club Member Posts: 1,222
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    #2 Answer ✓

    Have you contacted your current provider? Most companies automatically have a cap at 30 days to keep premiums low, but will extend the cap for a fee.

    We have Admiral "Gold" cover, which includes 60 days unoccupied cover.

    Colin

  • AJB
    AJB Club Member Posts: 121
    #3 Answer ✓

    We use M&S and they are linked to AXA. We have 90 days absence cover which I believe is standard.

  • DavidKlyne
    DavidKlyne Club Member Posts: 14,060
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    #4 Answer ✓

    Another thing you have to check with home insurance is whether the days allowed for unoccupancy is the total allowed or the number of days on one trip. We change to the Club insurance as we needed to be certain.

    David

  • easyonthegas
    easyonthegas Club Member Posts: 57
    First Comment
    #5 Answer ✓

    I am with Privilege who allow up to 60 days away. However you can go away from longer but they have (fairly sensible) stipulations especially if you are away over winter.

    Would recommend

Answers

  • Explore
    Explore Club Member Posts: 7
    First Comment
    #6

    Hi Colin

    Thanks for your response. Much appreciated. I have contacted my current provider who said they won't extend beyond 30 days. I will give Admiral a go and see what premium they can offer. There are a few who offer this but most premiums are a rip off.

    Thanks again for your reply.

    Brian

  • Explore
    Explore Club Member Posts: 7
    First Comment
    #7

    Thanks AJB for your reply. I will give them a try. Much appreciated.

    Cheers 👍

  • Explore
    Explore Club Member Posts: 7
    First Comment
    #8

    Thanks for the tip David Kline. I’ll definitely make of this when choosing a provider.

    Thank you.

  • Explore
    Explore Club Member Posts: 7
    First Comment
    #9

    Thank you “Easyonthegas”.

    I really appreciate you taking the time to answer. I will ask them for a quote.

    Many thanks 👍

  • Wildwood
    Wildwood Club Member Posts: 3,696
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    edited January 13 #10

    Do check your policy conditions for over 30 days unoccupancy. It probably will require the house to be checked on a regular basis for that period and heating during Winter. Most companies with a 30 day limit will allow this to be increased subject to similar requirements, you just have to ask.

  • Explore
    Explore Club Member Posts: 7
    First Comment
    #11

    Thanks Wildwood👍

    I will double check with them about this.

    Cheers for your reply 👍

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