Owning a Holiday Home Abroad? Here’s What You Need to Know About Overseas Property Insurance
A holiday home in Spain, France, Portugal or Italy is a dream for many UK families—but with that dream comes responsibility. Local insurance markets can be confusing. Here’s how to make sure your property abroad is properly protected.
Different Risks Abroad
- Climate extremes: floods in Spain, storms in Portugal, wildfires in Greece.
- Homes left unoccupied for long stretches.
- Liability issues with guests, neighbours, or local regulations.
Why Local Insurance Isn’t Always Enough
- Language barriers, unclear policy wording.
- Difficulty making claims if you’re based in the UK.
- Limits on English-language support.
How UK-Based Overseas Property Insurance Works
- Policies tailored for holiday homes and second homes.
- 24-hour UK claims support, regardless of where the property is.
- Strong backing from AA-rated insurers.
Checklist for Overseas Homeowners
- Confirm cover for natural disasters.
- Ensure liability cover for guests.
- Check unoccupancy clauses.
- Keep documents accessible in both the UK and abroad.
Thinking of buying or already own a holiday home abroad? Our overseas property insurance is designed specifically for UK nationals, giving you peace of mind wherever your property is. Contact us today for a tailored quote.
TESTIMONIALS
'Would just like to say what a pleasure it has been dealing with you all these years. From Portland Road to where you are now all the best.'
Bill Woodward - Motor insurance customer
'I’ve been a very happy customer, have recommended you and have exchanged similar conversations with others here who use you and thoroughly appreciate your personal touch. There’s always someone to talk to on the phone and happy to help.'
Joanna Davies - Motor Insurance Customer
'Once again you guys have blown me away ! Brilliant. No other word for it. I love that there are insurance companies out there willing to change the dreadful culture we have nowadays of only rewarding new business and penalising loyalty.'
Simon Leigh-Smith -International Insurance Customer
'Please be assured that the primary reason for continuing is the ongoing relationship with you personally and the exceptional assistance you give when required.'
Grant Ross - International Insurance Customer