Second home insurance Summary

Second home insurance Cover Summary

• Your cover is underwritten by one of the world’s leading insurers – Lloyds of London
• Up to 40% risk-related discount available, depending on security, claims experience, excess level and your age
• Your Second home is covered whether occupied or unoccupied
• Your Second home 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.
• 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 £5m in regard to buildings and contents (traditionally most policies provide minimal public liability cover)
• Loss of rent included following a claim
• Covers the purchaser of your second home during the period between exchange of contracts and completion
• Covers temporary accommodation following a claim
• Wider cover than a standard 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 UK adjusting organisation

• Fire/smoke
• Aircraft/impact
• Storms/floods
• Earthquake excluding Italy and Greece
• Malicious damage excluding tenants
• Glass and sanitary fittings
• Burst pipes/oil leaks
• Theft and attempted theft
• Riot/civil commotion
• Falling trees
• Trace and access
• Cash in meters
• Loss of hiring charges
• Loss/theft of keys
• Freezer contents
• Pedal cycles
• Garden furniture
• Subsidence in Spain

• Accidental damage whilst property is occupied by the insured or family is available at extra cost.
• Wide un-occupancy wording including cover for theft and malicious damage when the property is unoccupied.
• 24 Hour Helpline and Legal Advice.
• Low policy excess from £50.
• Emergency travel costs automatically included free of charge. This extension provides cover for the additional costs incurred for the insured plus companion, to visit the property in the event of a major claim.

• All policies are issued in English and all claims are handled by Intasure overseas property specialists in the UK.
• 24 hour, 365 days a year emergency claims Helpline - we can appoint bilingual loss adjusters quickly. It even operates on Christmas Day!
• Overseas taxes paid.