House insurance

[NBDensie]

As someone who cruises for periods of up to 3 months a year I am very concerned that conditions for house insurance on unoccupied houses are getting more and more onerous. The Halifax latest Ts&Cs require unoccupied houses to be internally inspected at least once every 14 days! I for one would be very wary of asking a neighbour to do this because it seems unreasonable to ask anyone to take on such a potentially vital responsibility.

 

Does anyone know of a more reasonable insurer? Or do people just ignore these conditions and hope for the best?

[jelunga]

As someone who cruises for periods of up to 3 months a year I am very concerned that conditions for house insurance on unoccupied houses are getting more and more onerous. The Halifax latest Ts&Cs require unoccupied houses to be internally inspected at least once every 14 days! I for one would be very wary of asking a neighbour to do this because it seems unreasonable to ask anyone to take on such a potentially vital responsibility.

 

Does anyone know of a more reasonable insurer? Or do people just ignore these conditions and hope for the best?

Ours requires weekly and even then some important cover is excluded

[NBDensie]

Ours requires weekly and even then some important cover is excluded

 

Do you arrange weekly internal inspections?

[Keeping Up]

Our insurer suddenly limited us to a total 30 days away in any 12 month period. We changed to another who is happy as long as I spend one night there per 30 days.

[jelunga]

 

Do you arrange weekly internal inspections?

Yes. Neighbour goes in weekly and logs visit

[Alanji]

Change your insurer. Although I have neighbours who look in every few days it is not a requirement of the insurance co. I have to spend at least one night in the house every 60 days.

[NBDensie]

Change your insurer. Although I have neighbours who look in every few days it is not a requirement of the insurance co. I have to spend at least one night in the house every 60 days.

 

Sounds great. Who's your insurance with please?

[Meraki]

Direct Line specify that the house that they are covering is not left unoccupied for longer than 60 days. A log of residence & visits is a really good idea should you ever need to claim. Good luck!