On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time
While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.
I was in a similar situation and I got cover. (It might take a while
to dig out the details but I can probably find them if they are
wanted.) One thing that you will almost certainly find is that the
property must be checked regularly - usually on a weekly basis. There
are property companies who will do this sort of thing for a fee. I
used the local odd-job man who had a set of keys for the property and
would pop in there for me on his way to other jobs.
For the benefit of people in the process of selling on behalf of a
deceased relative, whilst they obviously want to keep the cost as low
as possible, they don't want to cut corners to the point of neglect
and any reasonable costs may quite legitimately be paid by the estate.
For the benefit of people living part/full time overseas, whilst they
obviously want to keep the cost as low a possible, the inspection
which prevents voiding of the insurance is a small price to pay
compared to coming back to a house with unexpected new residents or
all the furniture gone.
Nick
Source: http://www.diybanter.com/uk-diy/348932-ot-insurance-borkers-foreign-travel-empty-uk-house.html
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