As Britain is once again being battered by rain, wind and snow we would like to remind our holiday home insurance policyholders of the conditions applying when your holiday homes are unoccupied.

It is likely that over the coming months your holiday home may be unoccupied for periods of time. It is for this reason that I would like to remind those of you who benefit from Boshers Holiday Home Insurance cover, of our Unoccupancy Conditions.

The wording is as follows:
Unoccupancy – It is a condition that whenever the premises are left unoccupied you will arrange that the premises are inspected at least every 14 days by you or by an authorised person responsible to you.

In addition the following applies between the months of October to March inclusive: 
You will arrange that either:

  1. ..the heating system is brought into operation and a minimum room temperature of not less than 45°F or 7°C maintained throughout the property or
  2. ..the water is turned off at the stopcock inside the premises and the domestic water system drained and other services such as electricity and gas disconnected (other than as necessary to maintain the central heating or security systems).

If you fail to fulfil the above conditions cover will be restricted to damage by Fire lightning explosion earthquake and by any aircraft flying object (or items dropped from them) vehicle train or animal colliding with the buildings.

Full pdf policy wordings are available to download in the left hand column of the Holiday Home Insurance page on our website.

Should you have any queries please do not hesitate to phone our holiday home insurance team on 01237 429444.

Listed Holiday Home Insurance

Whether your heritage self-catering holiday let or holiday cottage letting complex is a Grade 1 or 2 Listed Building in England or Wales or a Grade A or B Listed Property in Scotland our listed holiday home insurance may meet your needs. In this post entitled Scared Of Listed Holiday Homes? – Not Us! – Listed Holiday Home Insurance we explore how we can help you with your listed holiday home insurance requirements. Subject to standard underwriting factors including post code area and property construction being acceptable we will endeavour to help.

Holiday Home Insurance for Listed Properties

Our Holiday Home Insurance policy includes extra cover. This additional cover includes an extension to meet the local authority conditions made under the Planning ( Listed Buildings and Conservation Areas) Act 1990 and amending legislation (or equivalent legislation in Scotland and Northern Ireland) following damage by any of the insurable events should these costs exceed the cover provided within the buildings  sum insured. Subject to a maximum payment under this extension of 20% of the sum insured. Costs are also included towards archaeological and rescue work that may be necessary following property damage.

Listed Holiday Home

Our holiday home insurance scheme is underwritten by Ecclesiastical who were the first UK insurer to offer bespoke heritage and listed building insurance and now insure more grade 1 listed buildings than any other insurance company. The benefit to you is that you can rest assured that in the event of an insured peril affecting your listed holiday home, together with Ecclesiastical we will have the expertise to understand your specific requirements as a listed buildings owner in the event of an insurance claim.

Treat yourself to an insurance quote for your listed holiday home!

You may find the following holiday home insurance articles of interest: