Frequently asked questions

Holiday Home Insurance

Staysure holiday home insurance covers holiday property located in most European countries including Cyprus, France, Greece, Italy, Ireland, Portugal, Spain (including the Balearic and Canary Islands) and the British Isles. IMPORTANT: Holiday home insurance does not cover your main permanent residence.

There are two aspects to insuring a property. Building insurance covers the structure of the property, insuring against damage caused by fire, weather, vandalism, theft, the escape of water from heating or domestic installations, and the cost of completely rebuilding. Contents insurance covers the possessions inside your home which are not integral to the property’s structure.

Contents insurance will generally cover the items in your home that you would take with you should you move. These items could include furniture, carpets, electrical items, clothing, valuables and other personal belongings such as CDs, videos, etc? The cost of replacing the items is in accordance with the United Kingdom’s Government’s General Index of Retail Prices or the European equivalent.

As the name suggests building insurance covers the actual structure of your property and the cost of rebuilding according to the House Rebuilding Cost Index provided by the British Royal Institute of Chartered Surveyors or the European equivalent. You are also covered for problems such as subsidence, fire or weather damage and for the cost of repairs. Permanent fixtures such as kitchen and bathroom fixtures and fittings, built-in wardrobes are included under building insurance and all out-buildings, walls, driveways, gates, fences and swimming pools are included as standard. Provision is also made for temporary accommodation if required whilst making a claim.

When deciding on how much to insure your property for the onus is on you to put the correct price on your possessions, taking into account the cost of replacing the items at today’s prices. If you under insure, then you may be faced with a reduced payment when you make a claim. Building insurance is calculated not at the cost of purchasing the property but how much it would cost to rebuild. Most UK property surveys include the cost of rebuilding.

As soon as we receive your online quote we will review the information and inform you that your application is accepted and confirm holding cover or we may send an email requesting further details. Once your application has been accepted and holding cover is in place your policy will be issued with 14 working days. IMPORTANT: Remember that your cover is not active until you receive confirmation by email.

Staysure Holiday Home insurance policies are underwritten by a consortium of leading UK insurers and administered by Towergate. Towergate Underwriting and Towergate Underwriting Holiday Homes are trading names of Towergate Underwriting Group Ltd. A consortium of leading UK insurers Registered Office 8 Surrey Street Norwich, NR1 3NG. Authorised and regulated by the Financial Services Authority. Registered in England No. 99122. Registered Office Towergate House 2 County Gate Staceys Street Maidstone Kent, ME14 1ST. Authorised and regulated by the Financial Services Authority. Registered in England no.4043759

Yes.

Yes. The policy covers loss of rental income for bookings actually made and confirmed prior to the property being rendered uninhabitable, as long as the amount does not exceed 20% of the sum insured on the building at any one time or £1000 (or equivalent) in any one period of insurance depending on the circumstances.

Yes. Third party liability for holiday makers and members of the public is included to cover you for legal costs and expenses for example should a guest sustain an injury on your property or around you swimming pool.

Unfortunately, Staysure holiday home is not suitable to cover your main residence left unoccupied whilst you are overseas.

Staysure holiday home insurance offers a choice of three levels of excess; £100, £250 or £500, the higher the excess the lower the premium.

The easiest and quickest way to pay for your Staysure holiday home insurance cover is by Debit or Credit card via our secure website or on the telephone. Alternatively, if you don’t have a credit card then you can pay by sending a cheque to:

Staysure.co.uk Ltd
McGowan House
Waterside Way
The Lakes
Bedford Road
Northampton
NN4 7XD

If you are having trouble opening your policy document then go to the Adobe website and follow the simple instructions on how to download Adobe Acrobat Reader.

If you need to make a claim the first step is to check that you are covered by reading your Policy and Schedule document. To register your claim and request a claim form contact Towergate Underwriting Holiday Homes on 01708 777720 or 00 44 1708 777720 from outside the UK, or write to: Towergate Underwriting Holiday Homes Towergate House St. Edwards Court London Road Romford Essex, RM7 9QD

Yes. There is a 14 day cooling off period in which it is possible to cancel your policy.

When it’s time to renew your Staysure holiday home insurance policy one of our advisors will contact you to remind you that your policy is ready for renewal. Alternatively, you can call our UK call centre on 0844 277 0844 where our customer service team is on-hand to help 7 days a week.