Is there a clause that excludes cover if the house is uninhabited for more than 30 consecutive days?
You will find that most insurance excludes cover if the property is unoccupied for more than 30 consecutive days, the property must be visited every week, and on special shutters being installed. You could even find insurance invalidated by having the wrong type of locks on the doors. Some insurers also insist the water system is drained during periods of unoccupancy, or the property is heated constantly to a certain minimum temperature. Would you be insured if your electric heating failed due to a power cut, or you forgot to drain the water, and a burst pipe occurred? Remember, failure to comply with the conditions of the policy could mean your claim is ruled invalid, leaving you responsible for the cost of the damage caused. Additional Risks You should also make certain that your policy provides cover against natural catastrophes, such as floods, earthquakes and so on. What are the policy conditions? Many insurance policies for overseas holiday homes have conditions in the small prin
