Having a good balance in life and making time to do something you enjoy is important. Many of us invest a lot of money in leisure activities to relax in our downtime. This may be in the form of a holiday home here or abroad, a holiday or general sporting activities.
Investing in something like a holiday home or yacht is a large sum of money. Therefore, it is incredibly important that you are covered for anything which may happen.
Travel is another major leisure activity and therefore travel insurance is another common type of leisure insurance. Insurerr can find quotes on a number of travel insurance brokers, to deliver you the best policy price. Going away on a trip is an exciting time- don’t let anything get in the way of that.
Holiday Home Insurance
For those of us lucky to own a holiday home, it is incredibly important to protect your property should anything go wrong. Having British or overseas holiday home insurance is incredibly important, as it could protect you against unforeseen circumstances leading to damage of your property.
You would never think of having your own home uninsured so why would you leave your holiday home without insurance? A holiday home is susceptible to the same risks of any other normal home. Your roof may be damaged by storm or flooding, it could fall victim to a robbery. Really anything could happen and it is for this reason that you need to have holiday home insurance.
The reason you need holiday home insurance and not simply just home insurance is because most insurance companies will not pay out if you leave the property empty for more than 30 days within a year. Standard home insurance will not cover you if you have any letting periods either.
Why You Need Holiday Home Insurance
Most insurance companies won’t cover holiday homes because they are too risky. This is because a home that is left for a considerable amount of time is more susceptible to having damage that is unnoticed for a long time. Think about it; if you had a burst pipe in your normal home – you would notice this straight away. Whereas, if your holiday home suffers a burst pipe, this could go unnoticed for months – leading to a significant amount of damage and a bigger risk to the insurance company of a pay- out.
Insurerr can help you compare quotes for both British holiday home insurance and overseas holiday home insurance, allowing you to find the best quote for your needs.
What Holiday Home Insurance Covers
This depends on the policy you choose; some policies will include buildings and contents insurance; some will only cover one or the other. If you want to be completely protected, then it would be recommended that you choose a policy which covers both. You should ensure that your holiday home insurance covers the property for long periods where it will be left unattended. Some companies only cover British holiday homes so make sure if you require overseas holiday home insurance that you have selected an appropriate policy.
How to Get Cheaper Holiday Home Insurance
If you are looking for holiday home insurance, Insurerr have a few tips that could help you get the best price possible for your British or overseas holiday home insurance:
- Improve security – If you fit your second home with additional security measures like locks and alarms, this could help bring the price of your policy down.
- Take the higher excess – All policies should include an excess, which is the price you pay towards any claim. If you choose a higher excess, you should be offered a lower premium.
- Keep it in good condition – You should do all you can to maintain your second home to ensure it isn’t susceptible to repairs or damage. If your home is in a cold area in the winter, then you should insulate your pipes to ensure that they don’t freeze.
- Buy two policies with one insurer – if you buy both the buildings and contents insurance from the same broker then it should be cheaper.
- Pay the whole amount at once – monthly payments tend to be more expensive in the long run, if you can afford to pay upfront then you should consider doing so.
Travel insurance is another popular type of leisure insurance. No matter what type of trip you are taking; whether it be a weekend city break, winter ski season or a round the world trip – you should have travel insurance.
Travel insurance is mainly there to provide you with cover should you face expensive medical bills during your trip. You could face expensive medical bills for a whole range of issues. You may become injured or could fall unexpectedly ill. When you are in a foreign country you need to have good travel insurance to ensure that the ordeal isn’t more stressful than it needs to be.
Insurerr compare a range of travel insurance policies which cover a range of trips. A single trip policy may be best if you are only away for a short amount of time, 12 month policies are good for those that are away frequently and there are various add-ons for some insurance policies such as backpacker and winter sports that will allow you to tailor your policy to your individual needs.
Typically Included in Travel Insurance
When you are taking our travel insurance you should be careful to double check your policy for what is included. Each policy will differ on details but what you should generally expect to be included in travel insurance is:
- Cancellation/delay – If your flight is cancelled or heavily delayed you may be reimbursed or given a pay-out.
- Medical expenses – any costs you face visiting a doctor or medical centre during your trip could be claimed back.
- Personal liability – If you damage someone’s belongings or injure someone, cover should be provided in your policy.
- Emergency assistance – If you need to return home due to injury then the costs of travel etc would usually be met.
- Baggage and possessions – Your luggage and belongings should be protected – should they become lost, stolen or damaged.
Owning a yacht is a dream for many, if you have found yourself lucky enough to be in this position then you want to be protecting your investment. Whether your yacht is moored or at sea, you need adequate insurance cover to ensure that it is protected at all times. Yacht insurance can cover many aspects; including accidental damage, weather damage, theft and more. Compare quotes for yacht insurance with Insurerr to see the best price possible.
Speed, Motorboat or Rib Insurance
Yachts aren’t the only vessel which require insurance cover. If you own a speedboat, motorboat or even a rib – these all require their own type of leisure insurance. The main thing to remember when purchasing insurance for your vessel – read the policy carefully and thoroughly. The worst mistake you can make is taking out an insurance policy that isn’t suited to your needs.
What We Will Need to Know
Depending on the type of leisure insurance you need, we will require different details. If you fill out one of our quick forms, we can provide you with a quote as soon as possible. We will require some information about you and anyone else on your policy. We will then require tailored information for your type of cover. Remember to be truthful and as accurate as possible. The details you provide us with will directly affect your quote price.
Why Choose Insurerr
We know that when selecting any type of insurance, you want it to be simple and easy. That is why whether you need holiday home insurance or cover for your sea vessel – we aim to make the process quick and simple. Once we have collected the information we need, we will supply you with a quote as soon as possible.
We can supply you with any information you need to make the process as easy as possible for you. Finding the right type of leisure insurance can be confusing, our experts are here to make it easy to understand. We can answer any questions you have about the policies or insurance in general.