Reminder – Holiday Home Insurance Unoccupancy Condition

Last Updated on December 13, 2011 by admin

As Britain is once again being battered by rain, wind and snow we would like to remind our holiday home insurance policyholders of the conditions applying when your holiday homes are unoccupied.

It is likely that over the coming months your holiday home may be unoccupied for periods of time. It is for this reason that I would like to remind those of you who benefit from Boshers Holiday Home Insurance cover, of our Unoccupancy Conditions.

The wording is as follows:
Unoccupancy – It is a condition that whenever the premises are left unoccupied you will arrange that the premises are inspected at least every 14 days by you or by an authorised person responsible to you.

In addition the following applies between the months of October to March inclusive: 
You will arrange that either:

1. ..the heating system is brought into operation and a minimum room temperature of not less than 45°F or 7°C maintained throughout the property or
2. ..the water is turned off at the stopcock inside the premises and the domestic water system drained and other services such as electricity and gas disconnected (other than as necessary to maintain the central heating or security systems).

If you fail to fulfil the above conditions cover will be restricted to damage by Fire lightning explosion earthquake and by any aircraft flying object (or items dropped from them) vehicle train or animal colliding with the buildings.

Full pdf policy wordings are available to download in the left hand column of the Holiday Home Insurance page on our website.

Should you have any queries please do not hesitate to phone our holiday home insurance team on 01237 429444.