Holiday Home Buildings Insurance

HIFX holiday home buildings insurance covers the main structure of your home, all outbuildings and swimming pools and will reimburse all the costs incurred if repairs or rebuilding is undertaken.

The HIFX insure policy covers all principle perils including fire, storm and flood as well as accidents such as burst pipes. Holiday home building and property insurance will also cover fixtures and fittings within the property such as fitted kitchens and bathrooms.

HIFX’s policies also cover the rebuild value of the property. You can find this figure out via a number of methods. The most accurate way is to check the rebuild figure on any survey you may have had carried out prior to purchasing the property. If you have not had a survey, then speak to a local builder and they should be able to give you an estimate. If you are still unsure then speak to one of our advisors who will be happy to guide you, however it is important that you check any rebuild value suggested to ensure that you have not undervalued your property. Any insurance claim paid will only be to a maximum of the level covered, if this amount is insufficient you may not receive the full amount anticipated.

As part of your holiday property insurance policy, HIFX will also provide public liability cover. This covers you against any third party claims made against you personally, such as a visitor or tenant injuring themselves whilst on your property. As well as protecting you or your family financially it will also provide you with £5,000,000 Public Liability cover as part of our standard Insurance policy. This is significantly more than is offered by most foreign policies.

An extra benefit of insuring your overseas property or holiday home with us is that we will also provide loss of income and alternative accommodation provisions

As part of our holiday home insurance services we also offer holiday home contents insurance.

Please also note that if your property is in France and you have a swimming pool it is important that you follow all the safety guidelines listed by AFNOR, the French standards agency (http://www.afnor.fr) to ensure that in the event of an accident your are covered under your public liability policy. For guidance on this or any other matter related to insuring your holiday home or property abroad, please contact us on 0845 470 5128, or +44 845 470 5128 if calling from abroad. Alternatively click here to send the team an email.