Overseas Property Insurance for a Spanish, French, Italian or Portuguese Holiday Home

The holiday home insurance for French, Spanish, Italian and Portuguese property includes the following benefits when you choose buildings or contents insurance...

• Your overseas holiday home is comprehensively protected as there are no security/heating warranties or restrictions in cover during periods of unoccupancy
  
  The policy does not restrict cover or include inconvenient security/inspection requirements that other insurers insist on, for example: turning off the electricity and draining down the water system when your home is left unoccupied
   
• Public Liability Insurance with an indemnity limit of £5m is automatically included. This indemnifies both the property owner and also the tenant. In today's environment of every increasing recourse to sue, this essential cover will protect you against legal action from injured holidaymakers when letting and third parties for example - slip, trip and fall claims.
   
• The policy includes insurance for swimming pools, including public liability of £5m for the use of the swimming pool at your property.
   
• £1m Employers Liability Insurance is automatically included. This protects you against legal action from injured domestic employees, such as change over staff or the pool cleaner.
   
• For an additional premium the cover can be extended to include claims arising from accidental damage to contents, such as stains to carpets or furniture damage. This also covers accidental damaged caused by holidaymakers.
   
• Includes loss of pre-booked rental income and the cost of alternative accommodation for you, your family or rental clients following loss or damage to your property. You are automatically covered for twice the contents sum insured.
   
• We cover additional costs for travel and accommodation incurred to minimise a claim.
   
• Provides wider cover than traditional foreign property insurance and community block policies which usually only cover communal areas such as boundary walls, entrances and staircases, not your specific property.
   
• The policy is written in plain English - so you know exactly what is covered.
   
• A small excess of £50 for each loss or damage claim, increased to £300 for earthquake damage.
   
• Schofields are overseas property insurance specialists and all claims are dealt with by in-house experts with over 24 years experience.
   
• Arranged with certain Underwriters at Lloyd's of London, one of the worlds leading insurers - exclusively for Schofields.

Overseas house insurance that does not restrict cover when your property is let or unoccupied...without paying a premium price

Buildings insurance for a house in France, Spain, Portugal and Italy

Covers: Fixtures and fittings within the buildings, domestic outbuildings, garages, domestic fixed fuel oil, tanks, swimming pools, tennis courts, drives, patios and terraces, walls, gates and fences.

The insurance covers loss and damage caused by:

• Fire and explosion
• Theft or attempted theft, including theft by tenants
• Storm or tempest (excluding damage to gates or fences)
• Flood
• Lightning, thunderbolt or earthquake
• Escape of water or oil leakage from fixed water tanks, apparatus or pipes
• Civil disturbance or vandalism
• Impact by aircraft, vehicles or animals
• Breakage of fixed glass, sanitary fixtures and ceramic hobs
• Accidental damage by external means to underground services

You will be asked to pay the first £50 of any claim, other than those caused by fire, theft, explosion, lightning or thunderbolt. Increased to £300 for earthquake damage.

New for old
Provided your amount insured is adequate, the policy will pay for rebuilding or repair on a full 'new for old' basis, without any deduction for depreciation - irrespective of the age of the property (Other than interior decorations).

This part of the policy also provides:
-Payment of professional fees and certain other costs.
-Restricted protection when your home is unfurnished for normal habitation or is up for sale.

Contents Insurance for property in France, Spain, Portugal and Italy

Insurers will pay the cost of replacing or repairing any furniture, household goods, clothing and personal possessions if they are lost, destroyed or damaged in any of the circumstances described in buildings insurance (above). Excludes items of gold, silver, jewellery and furs.

By payment of an additional premium, cover on contents can be extended to include accidental damage, including damage by guests.

Insurance under contents automatically includes protection for claims made against you by the public.

This part of the policy also covers
Accidental damage to mirrors and fixed glass in furniture
A lump sum payment of £1,000 following fatal accidents arising from theft or fire at the premises.

Other benefits
Loss or damage to television sets.
Provides cover for replacing locks to external doors and alarm following loss of keys.

Basis of settlement
Insurers will pay for the cost of repair or, where an article is lost or damaged beyond repair, the cost of the article as new, without deduction for wear and tear. Subject to the adequacy of the sum insured, which must always be sufficient to replace all the contents in a new condition. Claims for clothing and household linen will be settled on the basis of replacement cost less wear and tear.

The policy wording has been approved by building societies and banks and is readily accepted by lenders.

A truly comprehensive policy, designed specifically for UK based owners of holiday homes overseas.

 Next steps

Get a overseas home insurance quote and buy online... 

Need more information? compare property insurance abroad or view the faq’s
Confused? read our guides on choosing: French home insurance or house insurance in Spain

  Important Documents

The above is a summary of our house insurance for French, Spanish, Italian and Portuguese property. To view or print the full terms and conditions download the sample policy wording here (pdf 72kb)

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