Holiday Home insurance From Intasure
Property Insurance
for your holiday home abroad
BUILDINGS AND CONTENTS
20 % INTRODUCTORY DISCOUNT
Subject to claims experience
Plus up to 10% discount for increased excess
Available for: Spain, Portugal, France, Italy, Greece, Cyprus, Republic of Ireland
Underwritten by Norwich Union.
Let Intasure cover your holiday home
Invested in a holiday home? Intasure’s property insurance is designed for you.
Comprehensive cover underwritten by one of the world’s leading insurers, Norwich Union, that includes essential features such as cover during letting and protection when property is unoccupied. It also covers parts of your home that may be excluded in ‘community’ policies.
We understand and know how to work with legislation overseas. Claims are settled by professional local loss adjusters. All policy documents are English and if you have an enquiry or claim you talk directly to a UK based, English speaking support team.
Included with Intasure
* Your cover is underwritten by one of the world’s leading insurers- Norwich Union
* 20% introductory discount in the first year of the policy subjects to claims experience. This will also apply to your renewal after one year.
* You can further reduce your premium by up to 10% with an increased excess.
* You property is covered whether occupied or unoccupied
* Your property is covered if let short term or long term.
* Excess from just ₤50
* All policy documents are in English
* Premiums are paid by monthly direct debit in Sterling from your UK bank account.
* We cover the costs of emergency travel and accommodation following a major claim
* Policy covers your swimming pool as well as buildings
* Policy covers public liability of ₤2m in regard to buildings and contents
(traditionally, Spanish policies provide minimal public liability cover)
* Loss of rent included following a claim
* Covers the purchaser of your home during the period between exchange of contract and completion
* Covers temporary accommodation following a claim
* Wider cover than a standard Spanish buildings and contents policy
* Wider cover than a ‘community’ policy
* All claims are reported to and resolved by a UK based speaking team
* Claims handled by local adjusters working for a UK adjusting organisation
* Claims paid in Sterling
Important: You must give full and true answers to all questions. Failure to disclose material information could result in the insurer refusing to deal with a claim or declaring the insurance invalid from its commencement. Material information is any fact the insurer would regard as likely to affect acceptance or assessment of the risk proposed for insurance. If you are in doubt as to whether or not certain information is material then it should be disclosed.
When you arrive at the Intasure site you will be asked to fill in the box on the top right hand side with an introducer number, if you do this you will receive a discount on your insurance premium Our No. is 155137
a leaflet or advertisement enter it here.
(If you are using Microsoft Internet Explorer 7 or have your pop ups blocked with Google Toolbar for example, you might have to hold the Ctrl key simultaneously as LEFT clicking the link to open in a new window)
Click on any of the links below. The cover explained
Buildings – index-linked, new for old
The basic cover includes:
Fire, aircraft, explosion, lightning, storm and flood, theft, riot and malicious damage, impact by vehicles, animals or falling trees, earthquake (except Italy, Greece and Cyprus). An increased Policy Excess of 2.5% of the Building Sum Insured applies in respect of Portugal earthquake damage. Subsidence cover is not available except in Spain where is free.
Accidental damage whilst property is occupied by the insured or family is available at extra cost.
Also included in the cover:
Loss of hiring charges as a result of any of the main perils. Breakage of glass and sanitary fittings up to ₤1,000. Trace & Access up to ₤1,000. Debris removal, architect’s and surveyor’s fees.
The Sum Insured should be the full cost of rebuilding in the same size, style and condition as new with no deductions for wear and tear or deprecation. This should also include amounts for architect’s and surveyor’s fees, removal of debris, outbuildings, garages and walls.
Public liability cover of up to ₤2,000,000 included for persons who, with your permission, temporarily occupy the property
Contents – index- linked, new for old
The basic cover for Contents of the property is similar to that for Buildings.
Also included in the cover:
Theft by violent and forcible entry and cash in gas/electricity meters. Theft and loss of keys.
The sum Insured should be the full cost of replacing all Contents at today’s shop prices with no deduction for wear and tear or deprecation except for clothing or linen where a deduction should be made.
Emergency Travel Expenses
* Following a major loss 8claims over ₤1,000).
* Up to ₤300 travelling costs for the Insured Person.
* Up to ₤300 travelling costs for a member of the Insured’s family.
* Up to ₤400 for temporary accommodation and/or expenses in the event of the home
being uninhabitable.
* The overall limit for travel expenses benefit in any one year is ₤1,000.
Type of property covered
The policy is designed to the cover property overseas. The policy does not cover mobile homes, caravans, beach huts or any thatched properties.
Claims settlement
Buildings
If your chosen Sum Insured is less than the full replacement cost (including, for Buildings, an allowance for architect’s and surveyor’s fees and costs of site clearance etc.) your claim may be reduced in proportion to the extent of the underinsurance. It is important that you adequately insure your property. Full details on underinsurance can be found in the policy document, a copy of which is available on request.
Contents
Your policy will pay for the cost of repair or for replacement as new subject to replacement or repair being carried out and provided that, at time of the loss or damage the Sum Insured is not less than the full replacement value of all Contents.
Excess payments
For properties in Greece, Cyprus and Italy you will be required to pay the first ₤100 of any claim. For all other locations you will be required to pay the first ₤50 of any claim.
Subsidence Excess ₤1,000. An increased Policy Excess of 2.5 % of the Buildings Sum Insured applies in respect of Portugal earthquake damage.
Claims acceptance
Before a claim is accepted under the policy, damage must result from one of the causes listed in the policy booklet. Damage resulting from deterioration or poor maintenance is not covered.
If you do not wish to complete a proposal form via the internet please pop in to our office we have the forms available for postal applications.
or e-mail your contact details and we will sent you a proposal form
Directions to our office can be found here
Disclaimer
House on the Costa Blanca, S.L. are only introducers, we are NOT part of intasure.
House on the Costa Blanca. S.L. and its staff DO NOT advise
assist or complete application forms for the customer.
We DO NOT handle customers money in connection with Intasure products.
We DO NOT get involved in policy queries, there is a call centre specially setup for this service
We DO NOT handle customers claims, we will refer you to the Intasure call centre.
©This
page is the copyright of House on the Costa Blanca, S.L. but all logos are
the copyright of intasure®
Holiday Home
Insurance
Spain
Copyright © 2002-2008. House on the Costa Blanca, S.L. All rights reserved