Holiday and Overseas Homes Insurance

We make it straightforward to find specialist protection for your property abroad.

Get a quote +44 (0) 20 8349 5100

We understand the complexities of owning property abroad and can help take away the stress and hard work of finding cover that is right for you.

Finding the right insurance for a holiday home or overseas property can be a confusing, time consuming task. Whilst opting for a local policy may seem like the right thing to do, it is not always the best option. Foreign property insurance can often fall short, leaving you with inadequate protection from some of the big risks a holiday home faces.

Standard Covers

  • Buildings and contents including accidental damage.

  • Precious metals, art and collectibles.

  • Domestic employers liability.

  • Property owners and personal liability up to £5,000,000.

Key Features

  • Warranty free cover (no mandatory alarm or lock use requirements).

  • Multi locations worldwide.

  • Occasional letting cover available.

  • Emergency travel costs where property has been damaged.

  • No unoccupancy conditions.

  • Documents in English.

Holiday Home and Overseas Property Insurance From Ashley Page

We have more than 40 years’ experience of arranging holiday home and overseas property insurance. We understand the major challenges involved in owning a property abroad and can provide an insurance solution that offers comprehensive cover tailored to each country and its risks.

We pride ourselves on our personal approach and professional advice, guidance and support.  In the unfortunate event that you need to make a claim, our dedicated in house team will provide you with support and guidance every step of the way, making sure that you get the best possible resolution as quickly as possible.

Contact one of our specialist advisers today to find out how we can help make sure you have the right protection in place for your overseas property.

 

Related FAQs

See all FAQs

What are the main differences between a high net worth policy and a standard policy I can buy online?

Cover outside of the home? Standard Policy: Not covered or limited to specific items. High Net Worth Policy: Everything is covered worldwide. Trace & access? Standard Policy: Not covered or with a low inner limit. High Net Worth Policy: Unlimited. Matching? Standard Policy: Will not match undamaged items e.g. only damaged tile replaced or section of kitchen surface/units. High Net Worth Policy: If unable to match will replace the entire area. Security/Warranty Free? Standard Policy: Security measures must be put in place and warranties complied with. High Net Worth Policy: No warranties and no security requirements. Clothing? Standard Policy: Wear and tear taken into account when valuing items in a claim. High Net Worth Policy: Clothes replaced on a new for old basis. Replacement Items? Standard Policy: Will receive a voucher and must use insurer’s network. High Net Worth Policy: Cash settlement. Jewellery? Standard Policy: Items with a value over £1,000 will often need to be specified. High Net Worth Policy: Items typically only need to be specified with values over £10,000.

Can you provide cover for my holiday home?

We have many insurers that are able to cover for holiday homes in the UK and overseas, either as an extension to the policy covering your main residence or on a standalone basis.

Why insure my overseas home through a UK broker?

This would ensure your overseas home would be covered on UK wording rather than a local wording - UK cover is often wider and does not contain unknown restrictions.

What happens if I let my holiday home?

We have a number of insurers that are able to cover this.

What if there is a claim in my overseas holiday home?

Insurers use UK based or source local loss adjusters to deal with your claim. The claim will be paid in the currency you have requested cover to be issued in.

What should I include in my contents cover?

Your contents cover should include anything that is not built in - for example furniture, white goods, carpets, curtains, clothes, linen, kitchenware and so on.

What is considered an accessible window?

Accessible windows are windows, skylights and/or roof-lights that are at ground floor or basement level, or within easy reach of the ground and capable of being opened - such as a first-floor window above a flat-roof.

What is subsidence?

Subsidence is the downward movement of the site upon which a building stands, where the soil beneath the building foundations is unstable. Subsidence often results in cracking within an affected building.

What is personal possessions insurance and why should I purchase it?

When you take out home contents insurance you will have protection for your personal possessions at your residence. Personal possessions insurance extends the cover for loss or damage outside of your home. The most common claims under this cover are loss or theft of an item of jewellery or laptop often whilst on holiday (travel policies provide cover but have very low single article limits). Typical items covered are portable computer equipment, jewellery, contents of a handbag, clothing, hearing aids and glasses.

What constitutes minimum security?

Every policy is different and you will need to check your particular policy wording, but as a general rule of thumb the following will be required: A lock which can be locked with a key from both the inside and the outside, a mortice deadlock with five or more levers or a surface mounted rim deadlock, a key operated multi-point locking system, two key operated security bolts operating horizontally and fitted internally top and bottom, for each door or window two key operated security bolts operating vertically and fitted internally top and bottom, for each opening door two key operated patio door locks operating horizontally and fitted top and bottom, one key operated patio door lock plus an anti-lift device, an anti-lift device prevents the lifting of sliding patio doors from their frames, at least one key operated locking device on all accessible opening windows.

My policy already covers my jewellery, what are differences with the high net worth insurer?

Subject to valuation, high net worth insurers cover items on an agreed value basis. In addition, in the event of a claim, you are free to use your own jeweller and not an insurer’s nominated jeweller Most insurers will agree to cash settlement based on valuation figure and not the cost of replacement.

What is the most effective way of insuring fine art, antiques and jewellery?

These kinds of items can be insured on an agreed value basis. This means that in the event of a loss, this is the amount you will be paid (sometimes a valuation may be required for higher value items).

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