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South Africa2022-05-12T15:44:08+01:00

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Home » Holiday home insurance » South Africa

Intasure can help you keep your South African holiday home protected all year round, whether occupied or not. Our dedicated staff can provide the information to help you identify the level of cover which may suit your property, so you can be safeguarded from the relevant risks and damages.

South Africa is a heaven for nature enthusiasts. It boasts a diverse landscape with imposing mountains, vast deserts, and, of course, incredible wildlife in the savannah. For these reasons alone, growing numbers of people are purchasing holiday homes in South Africa. If you’re one of the lucky ones, why not click the quote button below and enquire about holiday home insurance for your property.

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What is South African holiday home insurance?

South African holiday home insurance provides cover to help keep your property protected. As the country frequently experiences extreme weather, forest fires, and flash flooding (particularly in the Cape region), you’ll want an insurance policy that can provide cover should natural disasters cause damage to your property.

Likewise, South African holiday home insurance safeguards you from theft, vandalism, and accidental damage caused by holiday renters. We even offer loss of rent cover.

Of course, there are various challenges to owning a holiday home in such a dynamic landscape. As such, it’s important to note that many insurance providers only offer cover for gated communities within South Africa, and this is also the case with our policy.

What does holiday home insurance in South Africa cover?

As described above, our holiday home insurance policies can help protect your South African home from a range of risks, including damage and loss of rent.

Buildings and contents cover come as standard on all our policies, which is one less thing for you to think about. Many providers separate these essential covers, which often drives up the cost of 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.

Building and Contents Cover

Intasure buildings and contents insurance offers protection against damage and loss to your home. It covers permanent structures used for domestic purposes within the grounds of your holiday home, including swimming pools and outbuildings.

Cover up to £1 million is available to policyholders, with the following risks protected against:

  • Damage to buildings due to natural disasters, such as storms, floods, fires, or lightning.
  • Escape of water, sewage or oil from household appliances, such as washing machines and dishwashers.
  • Escape of metered water or oil for up to 60 days.
  • Loss or damage caused by electrical surges.
  • Accidental breaking of glass.

Contents insurance covers loss or damage to your holiday home’s fixtures, fittings, and belongings, including:

  • Damage to contents due to natural disasters, such as earthquakes or floods.
  • Theft of personal property, money (up to £250), or valuables.
  • Accidental damage to household goods, carpets, sanitary fixtures, etc.
  • Optional cover for lost or stolen keys.

Public Liability Cover

Many second homeowners in South Africa recognise the appeal of a holiday to this beautiful land. That’s why offering your house as a rental property to eager holidaymakers often opens up a lucrative income stream.

But if you’re renting your holiday home to guests, you’ll want to have the reassurance that there is cover if the worst happens. For instance, what if your guest is injured while inside the property? Or if they’re left without power due to an electrical surge?

In any event, you could face compensation costs if sufficient holiday home insurance isn’t in place. That’s why our liability cover exists. Our policy provides up to £5 million liability cover, providing cover for legal costs if an insured claim arises.

Emergency Travel Cover

We can help ease the stress if an emergency that places your holiday home under threat by providing cover for associated costs. That means, in the event of a valid claim, you can quickly travel to your second home the moment a disaster strikes. As long as the damage results in repairs that cost in excess £1,500, we can cover the value of your flights.

Loss of Rent Cover

If damage renders your holiday home uninhabitable, loss of rent cover helps ensure your wallet doesn’t take a hit. Following a successful claim, we can replace lost earnings you were due to earn before your rental schedule was disrupted.

Unoccupancy Cover

With an Intasure South Africa holiday home policy you can be confident your property has protection while you’re out of the country. That’s because our policies cover your holiday home whether the property is or not, and covers loss of metered water or oil if left vacant for up to 60 days.

Naturally, you’ll have periods throughout the year when you’re not around, or there is a rental gap. So rest assured that in either case, you can remain protected.

What types of property in South Africa can I cover?

Please be aware that Intasure only covers properties in gated communities under our holiday home insurance policy. Yet, we still cater for a wide variety of South African properties, including:

How much does South African holiday home insurance cost?

How much you pay for holiday home insurance in South Africa will depend on several factors, including your property’s location, size, and age. Here are a few things we’ll consider when calculating your quote:

  • The size of your property – larger properties tend to attract higher insurance costs.
  • The age of your home – for newer, well-maintained homes, you could expect to pay a lower premium.
  • The contents stored in your holiday home – can increase the premium you pay.
  • Whether your property contains a pool or hot tub – properties without pools will likely pay lower monthly premiums.

Why choose Intasure?

There are many reasons to choose Intasure as your South Africa holiday home insurance provider. For one, we’re experienced at providing insurance in this part of the world. That means our people have the knowledge to tailor policies to gated communities and local regulations.

Some other reasons to choose Intasure include:

  • Specialist knowledge of insuring properties in South Africa – understanding local laws and requirements.
  • Bespoke policies with optional extras.
  • Up to £1 million buildings cover and £5 million for public liability.
  • Loss of rent cover for insured claims where damage makes your home uninhabitable.
  • Emergency travel cover for flights following an insured claim.

But that’s not all. With a dedicated English-speaking team, they’ll ably to assist you with policy modifications, renewals, and claims.

Get an insurance quote for your South African holiday home today, or contact our UK team on 0345 111 0680 for more information.

South Africa Holiday Home FAQs

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

What does holiday home insurance in South Africa not cover?2022-03-14T17:11:23+00:00

Due to local rules and regulations, our cover has several exclusions, including:

  • Loss, damage, liability, cost, or expense caused by an act of terrorism.
  • Damage caused by faulty workmanship, defective design, or defective materials.
  • Damage caused by pets.
Do I legally need holiday home insurance in South Africa?2022-03-14T17:10:00+00:00

No, you’re not legally obliged to have home insurance in South Africa. However, given that your property structure and its contents are open to various risks it can be prudent. With Intasure by your side, you can have cover against natural disasters, accidental damage, theft, loss, and more – so you can enjoy your holiday, offering peace of mind.

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*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

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