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On holiday, you’re relaxed and care-free, but the same can’t always be said for when you’re trying to insure your holiday apartment. We’re here to restore the relaxation by providing you with quotes, hassle-free and within your budget. What’s more, we’ve compiled some helpful information to further ease the process.

My holiday apartment is abroad. Can I still get insurance from a UK insurer?

Yes, UK insurance companies are allowed to insure your foreign holiday apartment. What’s more, they’ll be aware of any special insurance requirements on a country to country basis.

Is insuring a holiday apartment the same as insuring your main home?

In some ways it is similar, because both types of policy will include building and contents cover. However, when you insure a holiday apartment, you pay a form of unoccupied insurance too, since the apartment will be left empty for long periods.

I stay at my holiday apartment quite often. Is holiday apartment still right for me?

How frequently you visit your holiday apartment can influence the insurance type. Holiday apartment insurance covers properties that are simply used for holidays. If you regularly occupy the apartment, second home insurance may be a better option for you.

Does holiday apartment insurance cover me if I need to take an emergency visit to the property?

Many insurers will contribute a set sum towards your travel expenses in case of an emergency, as standard. You might also consider adding on emergency travel as an extra.

Can I allow friends and family to stay in my apartment when I’m not there?

Yes, your holiday apartment insurance will cover people who are staying for free, but make sure you have accidental damage cover in place if this is the case.

I want to start renting out my holiday apartment full-time to holiday-makers. Will holiday apartment insurance cover this?

To cover holiday rentals, you will need the addition of public liability insurance. If you plan to do this full-time as a business, consider additional cover for legal expenses, loss of rental income, and alternative accommodation (in case an unforeseen issue arises and your guests cannot stay at your apartment).

You should also ask the insurer about landlord insurance, as this may offer you a better deal.

How can I bring down the cost of my holiday apartment insurance?

Pay as high an excess as you can afford and pay for insurance annually, rather than in monthly instalments.

Also make security a priority with locks on doors and windows, security alarms, and CCTV.