Useful resources and advice for holiday home owners
This part of our site has been developed to give holiday home owners access to Schofields product literature and useful resources.
Policy wordings
To view or print the full terms and conditions download the insurance policy wordings.
Can't open the policy document? Then download Adobe Acrobat Reader from the Adobe website
2016 Wordings
Underwriter/Contract number PNO13003/2016
- UK holiday home policy wording - UKHH2016.v2 (pdf)
- UK holiday home policy wording - UKHH2016.v1 (pdf)
- Overseas holiday home policy wording - OHH2016.v1 (pdf)
- UK Long term let property policy wording - LP2016.v1 .v1 (pdf)
2015 Wordings
Underwriter/Contract number PNO13003/2015
- UK holiday home policy wording - HHNovae2015.v1 (pdf)
- Overseas holiday home policy wording - OHHNovae2015.v1 (pdf)
- UK Long term let property policy wording - LPNovae2015.v1 (pdf)
Need to make a claim?
Refer to our claims advice.
Confused about holiday home insurance? Check out our guides
As most household insurers do not cover holiday homes, finding comprehensive cover can be difficult. Before you choose a policy you should fully understand the risks that holiday homes face, and what cover you need when your property is unoccupied or holiday let. These articles are must read for people buying holiday homes or existing owners who do not fully understand what their existing policy covers.
Read our guides:
- Insuring a second home
- A guide to house insurance in France
- All you need to know about choosing Spanish house insurance
See how we compare
Not all insurance offers the same protection. Many insurers aren't forthcoming with their policy exclusions that can leave you underinsured. These guides highlight what terms and conditions to look out for when choosing a policy.
See how Schofields compare against other holiday home insurance providers.
- Holiday home insurance comparison for properties in the UK
- Compare house insurance abroad
How to calculate the rebuild value
To get a buildings insurance quote you will need to calculate the rebuild value of your home. To assist you in calculating the rebuild cost of your UK holiday home, visit the Association of British Insurers website where there is a rebuilding cost calculator and some good advice.
However, the best way to get an accurate rebuild cost for UK and overseas homes is to instruct a qualified surveyor to prepare a professional rebuilding cost assessment for buildings insurance purposes. For further advice read how to calculate buildings insurance rebuild cost.
A guide to holiday let Insurance
Letting your holiday home can be risky. Injuries and damage by guests can prove costly if you aren't insured. Read our advice on what holiday letting insurance should cover, so both you and your guests are protected.
Holiday home maintenance tips
Insurance is not a maintenance contract and doesn't cover wear and tear. By carrying out some simple maintenance you can avoid expensive repair bills and insurance claims. Read our holiday home maintenance tips.
Is your holiday home insured when unoccupied?
Most insurance claims occur when holiday homes are unoccupied. Hidden exclusions and restrictions can leave your holiday home uninsured when left empty - check your policy carefully. Ensure your unoccupied second home insurance is adequate.
The Schofields blog
For the latest holiday home, property, travel and insurance news, read our holiday home insurance blog. There is a wealth of useful information and guides on our blog, we suggest you browse the blog site map. You can also follow Schofields on twitter
Currency converter
Our policy is in sterling, therefore to give you a quote we will need the sum insured in sterling. To convert € to sterling, use the XE.com personal currency assistant tool.
Flood advice
Are you at risk of Flooding?
Visit the environment agency website to find the likelihood of flooding in your area. You can also check current flood warnings and get advice on how to protect your property from flooding.
Holiday cancellation insurance
We also have an insurance scheme where holidaymakers and cottage owners can protect their cottage holidays against holiday cancellation. For further information visit our UK holiday cancellation insurance website.
