Home insurance for extended trips.

If you are spending in the region of £1000 for household insurance ....

£1000! What are you insuring, Blenheim Palace?

Well, the Club insurance has been ruled out as they wanted an additional £300-ish because we are timber frame!

Increased from £339 to over £600.

Legal and General work for me

Do they do 90 days unoccupancy?  

And timber frame?

  They have not come up in our searches.

The C&CC are quite competitive on this kind of insurance.

peedee

Do we need to be members first?

Do they do 90 days unoccupancy?  

And timber frame?

  

Saffron Insurance Services - another firm of brokers - will cover both those. Have a look. 

Legal and General work for me

Do they do 90 days unoccupancy?  

And timber frame?

  They have not come up in our searches.

Timber frame = yes. I've got 60 days as standard.

 

Do they do 90 days unoccupancy?  

And timber frame?

  

Saffron Insurance Services - another firm of brokers - will cover both those. Have a look. 

They only  offered  60 days when we tried a quote.......and anyway............the premium was over £850!!

Legal and General work for me

Do they do 90 days unoccupancy?  

And timber frame?

  They have not come up in our searches.

Timber frame = yes. I've got 60 days as standard.

We need 90 days as a minimum.

We have the CC home/buildings cover. I was surprised they only cover for 60 unoccupied at standard cover. It suggests a lack of joined up cover when they offer Red Pennant for much longer periods but clearly don't expect members to insure their house with them.You seem to be covered for some things in excess of 60 days but all the exclusions are the very thing you want!!! At least with the Club they allow more than one 60 day period away in one year ulkike a lot where 60 days is the maximum total for the year.

I have used the C&CC in the past but currently they were more expensive but I think they allow longer periods unoccupied. Some of the figures quoted by the OP would suggest the need to be a member might be a cheaper option in the end. Worth checking out.

David

KjellNN, I did get a quote from C&CC. They will cover timber frame homes as well as cover up to 180 days. For me, I found them expensive, £450.00. They also want some one to visit your property every so often. They have a free phone number so worth giving them a call.