UK holiday home insurance FAQ

Coloured garagesFinding the right insurance for your holiday home can leave you feeling like you need a well-earned break. The big aggregator websites haven’t yet mustered the computing power to compare policies online and that means hours of ringing around to find the best quote. However, with help from Quoteline Direct we can find the right policy at the right price; and that’s guaranteed.

Why do I need specialist holiday home insurance?

Holiday homes are often left unoccupied and if something goes wrong (such as a burst pipe or a burglary) it can go unnoticed while the damage gets worse. Holiday homes present a greater risk to insurers which is why they require specialist cover; rather than standard home insurance.

How do I know I’m getting the best priced insurance deal?

At Quoteline Direct we guarantee to beat your current UK holiday home renewal premium by at least 10% (based on like-for-like cover) and hopefully a whole lot more. Using our industry muscle we’ve negotiated competitive deals with the biggest names in the business and built one of the broadest panels of specialist insurers in the country; meaning guaranteed savings.

How do I know I’m dealing with a broker I can trust?

Quoteline Direct first began selling insurance way back in 1969 and with nearly 50 years’ experience you can rest assured that you’re working with a company that you can really trust.

Can I still buy cover online if I use an insurance broker?

Calculating holiday home insurance premiums can be complicated which is why most websites won’t invest in the technology to compare policies and buy online. However, at Quoteline Direct we like to do things differently and recently launched a ‘Quote & Buy’ system which means you can arrange  holiday home insurance anywhere and anytime. Alternatively, we’ve got a team of experienced consultants who are happy to answer any questions and arrange cover over the phone Tel: 0161 874 7753.

What if my holiday home is non-standard construction?

Quoteline Direct can arrange competitive holiday home insurance for all types of property and all types of construction. So, whether you’ve got a cosy thatched cottage in the Cotswolds or a chic city-centre apartment; we’ve got you covered. In fact, we’ve even arranged insurance for castles in Scotland.

What benefits should I look for in a holiday home insurance policy?

Holiday home insurance is all about providing peace of mind and that means not cutting any corners. Buildings Insurance forms the backbone of most packages and make sure you choose a policy that also covers outbuildings. Next comes Contents Insurance and it’s well worth finding a policy that has no upper claims limit so you can be confident that everything’s covered. All Usage is a flexible benefit providing insurance cover no matter who’s using the property; from family and friends to holiday lets. Public Liability is a basic, but you’ll need to check that you’re adequately covered, so don’t settle for less than £2million. And finally, it’s well-worth asking whether your provider can offer cover for Loss of Rent and Alternative Accommodation.

 


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