French Insurance Help
>> >> >> >> Insurance Comprehensive Overseas Property Insurance cover underwritten by one of the world's leading insurers, Norwich Union, that includes essential features such as cover during letting and protection when your property is unoccupied It also covers parts of your home that may be excluded in 'community/ policies. Benefits under our cover: Your cover is underwritten by one of the world's leading companies Your property is covered whether occupied or unoccupied Your property is covered if let short term or long term Excess from just £50 All policy documents are in English Premiums are paid by monthly direct debit or single premium in Sterling from your UK bank account We cover the cost of emergency travel and accommodation following a major claim Policy covers your swimming pool as well as buildings Policy covers public liability of £2m in regard to buildings and contents (traditionally, Spanish policies provide minimal public liability cover Loss of rent included following a claim Covers the purchaser of your home during the period between exchange of contracts and completion Covers temporary accommodation following a claim Wider cover than a standard Spanish buildings and contents policy Wider cover than a 'community' policy All claims are reported to and resolved by a UK based English speaking team Claims handled by local loss adjusters working for a UKadjusting organisation Claims paid in Sterling Frequently Asked QuestionsWe have listed below a number of the questions that are often raised when a holiday home is being insured. If your question is not answered then please do not hesitate to contact our Sales Team on +44 (0)870 906 3682, they are available Monday to Friday 8:30am to 5.00pm. Mention 1st for French Property Can Holiday Homes arrange immediate cover ? Yes ! We are happy to hold cover over the phone for a period of 21 days during which time the fully completed proposal and payment of premium will be required. Remember if you have any queries in relation to the completion of the proposal then the Sales Team will be happy to assist. Does the policy provide Employers Liability ? Yes ! Our policy automatically provides Employers Liability cover up to £10 million for any domestic staff. How much should I insure my Holiday Home for ? For your Buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls in addition to solicitors and surveyors fees and demolition costs. With your Contents you need to consider all household goods and personal property within your Holiday Home and how much you would have to pay to replace them as new. We do make a deduction for wear and tear for clothing and linen. What does "New For Old" mean ? This means that the item referred to will be replaced for its current value without a deduction for wear, tear or betterment. Do I need to specify any valuables ? We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as All Risks. If you keep any items permanently in the holiday home and they exceed the single article limit then we will need to specify them on the policy schedule. Do I have cover away from my home ? Our policy provides cover for your contents whilst within the confines of your holiday home, as above we would recommend that you speak to the Insurers of your main residence for cover away from the holiday home in respect of valuables and personal effects. Do I have Accidental Damage cover ? Yes !Whilst the property is occupied by the insured and family members then accidental damage cover is given to both Buildings and Contents. Is full cover provided whilst my property is unoccupied ? Full cover is provided subject to the security requirements being complied with and the property being furnished and the water being turned off at the mains and all equipment drained to its fullest extent if your property is to be unoccupied for more than 30 days or from the 1st November to the 31st March inclusive. Is Legal Cover included within your policy ? We offer a free legal advice telephone line that is a