Overseas Holiday Home

Many Irish residents who own overseas properties encounter problems in obtaining suitable cover locally. Consequently they are forced to select a policy offered by an overseas insurer which is written in the local language, and which may be inappropriate for the needs of holiday home owners.

As your overseas home is hundreds if not thousands of kilometers away it is essential that it is adequately insured when left unoccupied or used for holiday letting.

At Kidd Insurances we have tailored a home insurance policy specifically designed to cover your overseas holiday home be it located in The U.K., France, Spain, Portugal, or Italy.

The policy is in plain English, and provides wider cover than traditional foreign property insurance or community block covers.

Buildings and Contents are covered for Loss or Damage caused by:

	Fire, Lightning, Explosion or Earthquake
	Aircraft
	Storm, Flood, or Weight of Snow
	Escape of Oil from domestic fixed fuel oil tanks, apparatus or pipes
	Accidental damage to oil pipes, underground water supply pipes and cables
	Theft or attempted theft
	Collision by any road vehicle or animal
	Riots, Strikes, Violent Disorder, Civil Commotion, or Malicious Damage
	Subsidence, Landslip or Heave
	Falling Trees, Lamp-posts, or Telegraph Poles
	Accidental damage to buildings is included, but does not apply when your holiday home is let
	Accidental damage to contents can be included as an option, but does not operate whilst your holiday home is let.
	Legal Liability to the Public as Property Owners when the buildings are insured, and as Occupier when Contents are Covered. (you can extend this cover to include liability to tenants where you let out your holiday home)
	Legal Liability to Domestic Staff - All sums that you become legally liable to pay as damages for bodily injury (including death or disease) to any person under an contract of service solely for private domestic duties (including chauffeur, gardener, persons carrying out repair work and other temporary or casual employees) arising out of and in the course of such persons employment and happening anywhere in the world.

As with all insurance covers there are some restrictions including a requirement that when your holiday home is left without an authorized inhabitant for any period in excess of 7 days all mains and services be turned off at the main switch or stop-cock between the 1st October and 31st March inclusive the standard policy excess of €150 is increased to €300

Copyright © 2007 - Alan B. Kidd & Co. Ltd