Holiday Home Insurance

Whether it's your second home or a holiday home,

Give it the protection it deserves

Whether your second home is your personal haven or let out as a commercial holiday property, we know that each one is unique, so your policy should be too. When your insure your holiday home with us, we’ll make sure that your policy is tailored to protect the things which make it special to you.

You can choose the kind of cover you need from our range of cover options, including buildings cover, landlord’s contents cover, and property owner’s liability. You can also receive cover for:

  • Damage caused by fire, lightning, explosion, earthquake and aircraft
  • Theft and attempted theft at the property
  • Cover for replacing locks, safes, or alarms following a theft or loss of keys
  • Accidental damage on contents
  • £2,000,000 property owners’ liability cover
  • £5,000,000 employers’ liability cover
  • Varying excess, which lowers when the property is occupied
  • A choice to cover buildings only or to include contents cover

To request a quote for your holiday home insurance, please fill in your details in our online portal below, and your personal client manager will get in touch as soon as possible.

We can arrange tailored

Protection even when you're not there

We understand that, at some points throughout the year, your second home might be left unoccupied. Our holiday home insurance policy is designed with this in mind, and is tailored to keep your second home safe when you’re not there, so you can have peace of mind knowing it’s covered all year round.

Cover for unoccupancy can include cover for damage such as: fire, lightning, explosion, earthquake, storm, flood, subsidence, ground heave or landslip, as well as escape of water or oil, theft and riot damage. For a full range of cover options, please speak to one of our advisors.

In case of unoccupancy, your second home must be visited at least once every 30 days, either by you or a trusted representative. You should aim to keep a record of dates, time and any observations of the property, as this will be needed in the event of a claim.

Additional cover for

Your occupied holiday home

To keep your holiday home as protected as possible, we provide a range of additional cover options when your property is occupied. This includes protection for:

  • Property owner’s liability cover up to £2,000,000
  • Accidental breakage of sanitary fittings, fixed glass, solar panels and ceramic hobs
  • Accidental damage to underground services which extend from your home to the public mains for which you are legally responsible
  • Loss of rent or alternative accommodation up to a maximum of 20% of the building sum insured, for a maximum period of 12 months
  • Communal contents cover up to a maximum of £5,000
  • Emergency access to the premises subject to an aggregate maximum of £5,000
  • Trace and access cover, subject to an aggregate maximum of £5,000


Contact us

Send us a message below to get in touch. We aim to respond to all queries sent before 5pm the same working day in the week, and the next working day if you message us in the evening or at the weekend.