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6th September 2010
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Holiday Home Insurance insurance for UK and overseas property. The policy is tailored to the specific requirements of holiday home owners. Simple to understand insurance in plain English that covers holiday homes whether occupied, unoccupied or holiday let. Get an Overseas Property Insurance quote or call 01204 365080  |
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French holiday home insurance - designed for you 1. What are the policy exclusions during unoccupancy? 2. What happens when I have a claim in France - will you send a loss adjuster? 3. Is the policy wording in English? 4. Am I covered for holiday letting - accidental damage, loss of rent, public liability etc? 5. How do I cancel my policy - do I have to give notice? 6. What theft cover is included? 7. What are the security requirements - do I have to install shutters, certain locks? Holiday Home Insurance Blog For more guides, tips and discussions on the latest holiday home news - visit the holiday home insurance blog. |
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Schofields have tailored an insurance policy that covers holiday homes and second homes in France. The policy does not restrict cover when your house is left unoccupied and includes specialist cover for holiday letting. 
This article outlines what insurance cover owners of holiday homes in France need and what requirements might be placed on you, with regards to holiday letting, unoccupancy etc.... some of which may be unreasonable
Holiday letting can be a risky business and the unforeseen can ruin your letting season. From floods to fires, bursts to burglaries, liability claims and possible legal action from injured renters, could all lead to expensive consequences should something go wrong.
Some people are a little bit laid-back when it comes to thinking about their French holiday home and security. This could cost them dear if they don’t appreciate the reality.
Each individual’s insurance requirements are likely to be different, and it’s likely that you will only realise what is actually covered when you need to claim. When disaster strikes, you don’t want to discover that you aren’t insured for the incident, so check any policy restrictions thoroughly.
Although choosing insurance can be a tedious task, protecting your investment is vital, especially when it is in another country. UK owners of French holiday homes are faced with a common dilemma... should you choose an insurer based in the UK or France?
Yet again, this winter has seen some areas of France affected by freezing temperatures and more could be on the way. Unfortunately, there will be some holiday home owners who will return to their properties to discover extensive water damage due to burst pipes.
As the sun sets on another French summer and the last holidaymakers depart, many holiday home owners will be visiting their properties less frequently, or even locking them up for the winter. To prepare for any repeat of the fierce storms that swept across south west France throughout January and February, check that your insurance protects you from the elements of winter.
Many owners of holiday homes in France will be visiting their properties more frequently as we approach the summer months. Unfortunately, some will discover damage caused by adverse winter weather and may find that the level of flood and storm cover provided by insurance policies purchased in France is inadequate.
If you are going to use your French property as a second home or holiday let it for investment income it is essential that you are protected with suitable home insurance. Specialist insurance designed for you – from Schofields.