15 April 2020

Coronavirus: Holiday Home & Second Home Insurance FAQs

By Suzi Rackley

Many people own holiday homes here in the UK and overseas, and the Coronavirus lockdown restrictions state that traveling to second homes is not deemed essential. Many of our clients are therefore concerned they can no longer meet insurance policy requirements. We are working closely with all of our insurers to ensure that clients are not left without important cover. If you are concerned in any way please speak to us.

I have a holiday home in the UK which I can’t visit due to the lockdown. My insurance policy states that I must carry out an internal check every 14 days, so am I still covered?

Every insurer has a different stance, but the majority we have spoken to are being understanding and flexible and will not restrict cover. Please let us know if this affects you and we will obtain confirmation from your insurer.

My insurance policy for my holiday home restricts cover if it is unoccupied for 30 days or more and I cannot visit due to the Covid-19 lockdown. What should I do?

Most insurance policies restrict cover for escape of water and damage caused by frost if the home is not occupied for 30 days or more, sometimes less. Usually this restriction only applies during the Winter months, but each policy is different. If you are concerned that you may be affected by this, please speak to us.

I sometimes let out my holiday home in the UK. Am I covered for loss of income due to the Covid-19 lockdown imposed by the Government?

Most insurance policies do not provide any cover for loss of income due to a deliberate act by the Government. There could be assistance for you under the Coronavirus Business Interruption Loan Scheme (CBILS) or the Coronavirus Job Retention Scheme (CJRS). Please visit the Government website for more details.

I employ a cleaner to look after and check my holiday home. I cannot afford this anymore, so will my insurance policy cover the wages I pay my cleaner?

Unfortunately not. This is not covered by a home insurance policy. There could be relief available via the Government for employees paid via PAYE. Click here for more details.

I have a property overseas which I haven’t been able to visit for months. Will my insurance policy still be valid?

All insurance policies contain conditions that require a property to be checked regularly and for all the physical security precautions to be in use. Most insurers we have spoken to are being flexible and relaxing these conditions to some extent, but each insurer takes a difference stance. Please contact us and we will talk to your insurer for you.

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