Home insurance for extended trips.

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

According to the information given with our quote, they have now extended the unoccupancy period to 90 days continuous.

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.

Have now got a quote, which was £386, but a lot of the cover is void after 60 days away, so no use.

KjellNN, Ouch. I never got as far as the finer detail because of the price. They dont want much, do they.

Not sure if you're aware, but with some 60 day unoccupied policies they will count a visit by a familly member as occupancy, therefore resetting the 60 day clock. LV find that acceptable, its written into the policy. If you have someone that could do that for you, would that be a good solution?

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.

You will find almost all companies will require regular visits by someone to the property. This is standard although the frequency may vary between companies.

The longer the period allowed does mean an increased risk to the insurer so the longer period might increase the premium and needs to be taken into accpunt when assessing the premium.

Not heard of a visit by a family member as setting back the clock. If they stay overnight it might be regarded as that but be very careful. A visit is not occupancy and I would get it in writing exactly 

what would reset the clock or if things go wrong you could be the loser.

I had understood that it needs to be a minimum of 5 days spent back in the property to reset the clock, this is what I was told by those we spoke to while in Spain earlier this yea,r who spend up to 8 months away, they seem to fly home for a week or get a family member to stay at the house for 5 or so days (most ask their children to do this).

The reason we left our previous insurer 2 yeara back was they no longer accepted an overnight stay once a month by our daughter as "resetting the clock".  Instead they now require the stay to be 5 nights.

So....have now had a quote from C&CC (thanks peedee), a good quote @ £366 + C&CC membership of course, so we may well join up and go with that, just a couple of points to clarify.

Will ring them again tomorrow.

Cover is for 180 days unoccupancy without a huge excess.  Visits by a responsible adult required every 7 days, which is what we have anyway.

Our locks etc have been deemed sufficient, no alarm required.

Hopefully it will work out well, will update in a few days.

Just to give some context to the quotes......

Our house is quite large (5 bedrooms) so the rebuild cover and the contents cover required is on the upper side of the average.

So it was never going to be cheap!!

The reason we left our previous insurer 2 yeara back was they no longer accepted an overnight stay once a month by our daughter as "resetting the clock".  Instead they now require the stay to be 5 nights.

So....have now had a quote from C&CC (thanks peedee), a good quote @ £366 + C&CC membership of course, so we may well join up and go with that, just a couple of points to clarify.

Will ring them again tomorrow.

Cover is for 180 days unoccupancy without a huge excess.  Visits by a responsible adult required every 7 days, which is what we have anyway.

Our locks etc have been deemed sufficient, no alarm required.

Hopefully it will work out well, will update in a few days.

Sounds a decent quote given the size of the house. Difficult for me to be too sure as I get a 20% staff discount but with three bedrooms we are not that far behind you 

Thanks for the info Kj could you repost please when you have firmed up the details, as this might be something we would be interested in, we currently have CC so 90 day cover but might go away for longer in the future.

Not heard of a visit by a family member as setting back the clock. If they stay overnight it might be regarded as that but be very careful. A visit is not occupancy and I would get it in writing exactly 

what would reset the clock or if things go wrong you could be the loser.

 

 

 

I did. It was in the policy document. The company: Liverpool Victoria