Home insurance for overseas workers

If you are working abroad, or away from home in the UK, you will need specialist insurance designed for properties left empty for extended periods. We can provide a home insurance policy designed with you in mind, giving you full standard cover throughout the year, even when your home is empty.

The fact that your home will be unoccupied for longer periods is a material fact that must be disclosed to your household insurance provider, and many insurers will not continue to provide cover for your property because of the longer periods the property is empty. At best, you can expect severe restrictions in cover to apply:

Theft and malicious damage cover - Often excluded after 7 / 30 / 60 days depending on policy

Escape of water, Burst pipes - Often excluded after 7 / 30 / 60 days depending on policy

Furthermore, if you have not advised your insurer that you are working away from home and leaving the property empty on a regular basis, your insurer may invalidate your policy completely, which means that in the event of a major disaster at your property, you could have the nightmare of a letter from your insurer declining the claim and returning your premium, stating that they have declared your policy void because of undisclosed material facts.

 

At last - A policy designed for people working away from home

Fortunately, we have the ideal solution for you.

Our home insurance product for second homes has been designed to provide full standard perils cover, providing the cover you need on your property whilst you are away from home.

Rather than provide an online service for quotations, we feel it is important that we fully understand your exact requirements so that we can provide a recommendation that is suitable, rather than you hoping the policy provides the cover you need.

We can usually provide a quotation and cover instantly over the phone for cases up to £1m buildings and £50,000 contents.

Higher amounts insured require personal contact with underwriters, and do take a little longer, although we are confident that the terms we can achieve are very competitive.

 

Looking after your property whilst it is empty

It is of course important that you take precautions to protect your home whilst you are overseas. This controls your exposure to risk and means that your insurers can continue to provide you with comprehensive insurance for your home whilst it is empty or unoccupied for longer periods, with the confidence that you have done everything you can to safeguard your property.

The insurers will impose certain requirements which must be met, and these will be discussed with your quotation. However, for a general guide on protecting your home when it is not fully occupied, please refer to our advice sheet for owners of unoccupied property.

 

Corporate solutions

Some companies who regularly send employees away from home employ the services of a relocation agent who, amongst other things, are able to take care of the security, maintenance and inspections of their employees homes whilst the householders are away. They will also act on behalf of the property owner and fully manage the letting of their property, should it be desirable.

To find out more, please visit Relocation Support Services who are specialists in providing solutions for wider corporate networks or firms sourcing from and sending employees to overseas destinations.