Holiday Let Insurance
Protect your holiday let in the UK or abroad with buildings and contents cover.
Some of us may aspire to own a holiday home. For those that choose to let theirs out, it can welcome a stream of additional income and be a haven for holiday escapes.
But first, you may want to consider protecting your property. You can do this through holiday let insurance – a policy that helps safeguard your rental property against damage, theft and many other risks associated with housing guests following an insured claim. At Intasure, we offer holiday let insurance in the UK and in more than 40 countries and territories across the EU and beyond. Speak to us today about arranging cover for caravans (UK, France, Greece, Italy, Spain, Portugal), cottages, holiday homes more.
What is holiday let insurance?
Holiday let insurance can offer financial protection for holiday home owners who want to rent out their property on a short-term or long-term basis.
A holiday let can offer everything from a short weekend break to a stay of 60 days or longer. In either case, we’ve got insurance that keeps you protected through the seasons. For instance, our holiday let insurance in the UK and abroad includes cover for public liability, accidental damage and loss of rent following an insured claim.
Why take out holiday rental insurance?
Letting out a second home can be a great way of generating additional income when you’re not using the property. However, if things go wrong, you could find yourself out of pocket and left with the stress of damage which can be difficult to manage if your holiday let is abroad.
That’s why we offer holiday let insurance. It can help protect your finances and offer reassurance should the worst happen.
Holiday rentals can often be left unoccupied for long periods, potentially exposing them to additional risks. Therefore, if your holiday let is damaged by the elements or your contents are stolen and this is outlined within your policy, you’ll have the assurance that expenses can be covered, and our in-house claims team are on-hand to assist the claim.
What does holiday let insurance cover?
Our holiday let insurance is available in more than 40 countries and territories across the EU and beyond. All of our policies include public liability insurance up to £5 million. That means you’ll have a safety net following an insured claim for example; if a guest is injured, taken ill, or unfortunately dies on your property.
Our cover is offered on an annual basis, offering protection for both short and long-term lets – whether that’s weekend city breaks or two-week family holidays. In fact, we’ll even cover you for long-term lets of 60 or more days.
Many holiday let providers limit the number of ‘unoccupied’ days you can have before the property is exposed to only 30 days. The result is added pressure on holiday letters and landlords to find renters during the off-peak season or in economic downturns. With us, your property is protected when unoccupied for up to 60 days.
Cover for swimming pools and hot tubs is also included for those in hotter climes, which prevents extensive bills from eating up your profit margin.
If you do need to make a claim, we can provide an emergency travel reimbursement so that you can quickly get to your property and avert any disasters. Loss of income protection also gives you additional support following a guest claim. And like a standard home insurance policy, our holiday let insurance covers buildings and contents insurance.
Buildings insurance protects any permanent structure within the grounds of your holiday home:
Holiday let contents insurance protects the items within your holiday home, such as household goods, fittings or personal property:
What properties does our holiday let insurance cover?
Properties in the UK and abroad are covered, everything from static caravans at windswept holiday parks to houses and apartments throughout Europe.
Here are some of our most popular holiday let insurance property types:
- Lodge & chalet insurance abroad
- Caravan insurance
- Listed holiday home insurance
- Log cabin insurance
- Holiday cottage insurance
In what countries does holiday let insurance extend to?
If you point to a country in Europe, there’s a good chance that we offer holiday lets insurance there. In fact, our policies extend to more than 20 countries and territories across the EU and beyond.
Here are some of our most popular holiday let insurance destinations:
Why choose Intasure?
What sets our holiday let insurance apart? Whether you’re occupying the property or are out of the country, you will be covered for up to 60 days of property unoccupancy.
Some of the benefits of taking out a holiday home insurance package with Intasure include:
With Intasure, you will always deal with an English-speaking representative no matter where your property is located, so nothing gets lost in translation. Also, our policy documentation is in English, so you can quickly get to grips with what your policy offers.
You can rely on us every step of the way. Whether that means helping you pick out a suitable policy or managing your claims, we’re here to help take the stress away from renting out a holiday home.
Holiday lets insurance FAQs
Intasure is a holiday letting insurance specialist, here to assist homeowners in protecting their properties across more than 40 countries and territories in the EU and beyond – whether they’re occupied or not.
Our insurance product is adapted for holiday rental properties to include those little extras you won’t typically find on ordinary home and contents cover. For example, many villas and apartments have pools or outbuildings, which can be covered with Intasure’s holiday let insurance products.
We also provide additional cover for items such as hot tubs, outdoor furniture, and even outbuildings such as stables.
Holiday let insurance is a specialist insurance covering owners who let their holiday home out to guests. It’s closely related to home insurance, but with the benefit of some added extras to cover you for guests. Holiday let insurance relates to both UK holiday homes and holiday homes abroad.
Several variables impact the cost of holiday let insurance. These include the property type, its location, and the number of buildings covered.
Here are a few things you could do to help reduce your premium:
Pay annually – it can be cheaper to pay for holiday let insurance in one lump sum, rather than spreading the cost over several months.
Combine buildings and contents insurance – we package these into holiday let insurance policies with the aim to create more savings.
Improve security – invest in security alarms, cameras, and secure locks for your property. Fewer risks could equal less expensive premiums.
There are a handful of countries from the list above where our cover is limited by exclusions and restrictions.
In some countries, you will need to fulfil specific criteria to get holiday let insurance cover. For example, in Italy, you must have a Codice Fiscale. This is the equivalent of a National insurance number, and is required by Italian law when arranging insurance. But don’t worry, we’ll talk through all these details when you call us.
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Find out more with Intasure
Our sales team is always happy to help you find insurance for your holiday home. Whether you own multiple properties around the world or are simply letting out your Spanish villa to generate a little extra income, we can offer you holiday let insurance cover.
Call us on a 0345 111 0680 to find out more and get more from Intasure holiday rental insurance.
*These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Holiday let insurance, View and download Insurance product information document:
Holiday let insurance, View and download policy wording:
View and download policy:
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Wording – Click here