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In 2006, the United Arab Emirates (UAE) opened up to property investors from overseas. Since then, the country has attracted a growing number of investors thanks to its luxury attractions, high-end shopping malls, fine-dining restaurants, and world-class hotels.

If you already own a second home in Dubai or another part of the UAE and are keen to protect your property, then it may be worth exploring how holiday home insurance can help. At Intasure, we offer comprehensive property insurance, including holiday let insurance, protecting your prized asset all year round. Ready to get a quote? Contact our team now.

What is UAE holiday home insurance?

UAE holiday home insurance provides cover for second properties across Dubai, Abu Dhabi and the rest of the UAE.

As expected from a property insurance policy, you’ll get buildings and contents insurance cover as standard. Holiday home insurance should also include extra protection, factoring in the additional risks secondary property owners may face. For example, if you rent your home out to guests and don’t have the appropriate cover, such as liability cover, there could be severe financial implications should a problem arise and you’re found liable.

What does holiday home insurance cover?

Owning a holiday home in the UAE is perfect for making the most of beautiful weather all year round and earning rental income. However, things can go wrong. So you may want to consider having a comprehensive policy that steps in if issues arise.

That’s why Intasure’s cover accounts for a series of risks. We’ll give you liability insurance as standard, which could prove critical should a rental guest claim against you for compensation. We can also help protect your property whether it’s unoccupied or not.

Buildings and contents insurance

Buildings and contents cover includes protection similar to that which is included on your primary residence insurance policy.

Areas that are covered include:

  • Damage to buildings or contents due to natural disasters, such as fire, lightning, avalanches, floods, etc.

  • Escape of water, sewage, or oil from household appliances, such as a washing machine or dishwasher.
  • Loss or damage caused by electrical power surges.

  • Theft of personal property, money or valuables.

  • Accidental breakage of fixed glass and sanitary fixtures, and damage to underground services to home.

Public Liability Cover

Looking to let out your property in the UAE? Then public liability cover is worth looking into. We offer liability cover up to £5 million as standard to cover costs associated with loss or damage to Third Party property, causing a bodily injury, or illness of a domestic employee which you could be held legally liable for. This cover can help protect your finances should a compensation claim arise.

Emergency Travel Costs Cover

If an emergency strikes, you’ll naturally want to address the issue quickly. However, flights to the UAE are lengthy and aren’t always cost effective, especially when booked at short notice.

So, if your property sustains damage and you need to oversee repairs, our cover can reimburse you for travel costs in the event of an insured claim.

Alternative Accommodation Cover

In some scenarios, such as a collapsed roof or severe flooding, your property might be uninhabitable. In this case, you may need to find alternative accommodation, while you see to any necessary repairs. Our policy can contribute towards these accommodation costs in the event of a claim, helping to remove the financial burden.

Loss of Rent Cover

Our policies can also cover periods of lost rent for confirmed bookings following an insured claim, so you won’t lose money if something goes wrong.

Unoccupancy Cover

One of the most pressing concerns for UAE holiday homeowners is whether their property is protected all year round. After all, we appreciate you won’t always be nearby to keep a close eye on things. Intasure policies help protect you even in the offseason or when no one is staying in the property. Just keep in mind that our unoccupancy insurance covers you up to 60 consecutive days for loss of metered water or oil.

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.

What is not covered with UAE holiday home insurance?

While our policies are comprehensive, there are some exceptions due to local rules. Here’s a snapshot of what our policies don’t cover, please see the policy wording for full details of exclusions:

  • Damage caused by faulty workmanship or defective design.
  • Damage caused by a pet.
  • Malicious damage by persons lawfully in the home.
  • Loss, damage, or liability caused by terrorism.

What property types can I cover?

Whether you own a villa on Abu Dhabi’s stunning Palm Islands or a penthouse suite in a luxury Dubai apartment block, our policies can help keep you protected.

Here are some of the property types we cover:

  • Villas, including those in private communities.
  • Apartments and penthouses in high rise buildings.

Why choose Intasure?

There are many reasons to choose Intasure when searching for holiday home insurance in the UAE, including:

  • Specialist knowledge of insuring properties in the UAE, such as the unique rules and requirements in each of the seven emirates.
  • Policies tailored to your property, including optional extras.
  • Temporary accommodation after making a claim.
  • Up to £1 million for buildings protection and £5 million for public liability.
  • Cover whether your property is occupied or not.
  • English-speaking and UK-based customer service team.
  • Cover for theft even when a guest occupies your property.

Our UK based team have experience delivering insurance for holiday homes based in the UAE, meaning we can help keep you and your property safe.

Get in touch with us today on 0345 111 0680 to receive a quote or ask any questions you may have. In addition, if you have a policy in place already, you can contact us to make any amendments or make a claim.

UAE Holiday Home Insurance 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 is the cost of holiday home insurance in the UAE?2022-03-17T16:31:25+00:00

Several factors can influence the price you can expect to pay for your insurance, including:

  • Location – a penthouse suite may attract higher premiums than a 5th-floor apartment.
  • Size – the size of the property can affect premiums.
  • Age – older properties that need more work typically attract higher premiums.
  • Contents – the insurance cost can rise if you keep high-value items in your holiday home.
What insurance do I need for a holiday let in the UAE?2022-03-17T16:30:21+00:00

The answer to this question depends on your circumstances. You may feel that buildings and contents cover is sufficient. Still, if you’re renting out a property, you may want to consider a policy such as ours, which includes liability cover up to £5 million. Our policies go further by adding loss of rent and alternative accommodation cover.

Is holiday home insurance mandatory in the UAE?2022-03-17T16:29:36+00:00

Holiday home insurance is not mandatory in the UAE but having a broad policy in place can help safeguard your property from numerous risks. This product is designed to help protect your property from structural and accidental damage, while providing cover against theft and loss following an insured claim. Moreover, our insurance policy can help ensure you can safely host guests by offering peace of mind should something go wrong.

Intasure Customer Reviews

Intasure has spent years helping customers protect their holiday homes, so why not get in touch with us today?

*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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