Home insurance for extended trips.

we currently use Saga and get 90 days as std, longer periods are available by arrangement....we tell them and they charge a small service fee (about £30) to cover the full period.

last year i tried C&CC so as to get the 180 days std, but the price was just off the scale....

i may have another go at them next time.....

There does seem to be a huge variation in premiums between different companies for different areas and properties,  and also for the same property berween the companies, even for the same Risk.

Without knowing sums insured, comparisons are very difficult.

What premium would you consider to be "off the scale" BB?

 

Premiums are based on various things but the most important is likely to be location. Some areas of Dumbartonshire are likely to be very low rated which means they are likely to have lower premiums than most city addresses. 

I would not try comparing premiums even from the same insurer as none are best for everyone. Different people will get better cover from different firms in many cases.

Kjell, we've been with the C&CC fo a while now, because of the extended period of cover. Fortunately we not had to make a claim but their price is as competitive any we've come across.

Premiums are based on various things but the most important is likely to be location. Some areas of Dumbartonshire are likely to be very low rated which means they are likely to have lower premiums than most city addresses. 

I would not try comparing premiums even from the same insurer as none are best for everyone. Different people will get better cover from different firms in many cases.

Yes, the variation in our quotes was from £240 to £860, does not seem sensible!

Just to clarify,The Caravan Club's home insurance policy gives 90 days unoccupancy cover as standard.  If this needs to be extended, there are certain requirements from insurers which need to be fulfilled in order for the cover to continue.   

I forget who we are with,  off hand, but I always make sure we ae covered for a 90 day 'holiday' period.  It's always one of my stipulations.

David 

We're covered for 90 days too with our insurance company, we can increase this with extra agreements. We changed from Saga a couple of years ago as the premiums automatically increased beyond a sensible limit.

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Just to clarify,The Caravan Club's home insurance policy gives 90 days unoccupancy cover as standard.  If this needs to be extended, there are certain requirements from insurers which need to be fulfilled in order for the cover to continue.   

Can you clarify further please? Does the 90 days refer to per year of cover, or per trip?

The policy states 90 consecutive days per trip.