If you are thinking of going away for a long period of time over the Christmas and New Year break then you might want to check your property insurance. Some insurers only cover you for a set period of time and will require you to opt for unoccupied property insurance to cover the period you are away. Unoccupied property insurance covers you against theft and malicious damage and also for flooding or fire whilst the property is empty. Some make the mistake for not having unoccupied property insurance and only realise after the damage is already done. It is normal to think that you will only be away for a while, what could possibly go wrong? However it is better to be safe otherwise all that effort and money spent on your property will go down the drain. There are a number of risks for not having this type of insurance. These are outlined below.
Let's first look at the risk of theft. Thieves are opportunists and the Christmas period is one of the busiest for these criminals. They know that houses are most likely to have presents and expensive items available ready for the taking. Whether you're away for two weeks or two months you should always ensure your home insurance is covering you during that time. Inadequate home insurance will invalidate any claim you put through. Find out more about unoccupied property insurance and whether you need to arrange additional cover.
During the winter months your home is at more risk of flooding due to burst and frozen pipes. Burst pipes are a huge cause of major flooding in the UK and it's best to ensure your home is protected against this kind of damage too. Imagine coming home to a home 3 foot deep in water and all of your furniture, flooring and possessions destroyed. Lagging pipes and ensuring adequate insulation in your loft can help to prevent this type of devastation. Unoccupied property insurance gives you total peace of mind that your property is protected.
If you are planning a Christmas or New Year break and you want to find out more about unoccupied property insurance there are many companies offering this type of service. They will be able to give you expert advice on the level of require best suited to your needs and give you a cost effective quote over the phone.
Don't ruin your Christmas by not arranging adequate cover. You can arrange temporary cover whilst you are away and won't ever have the worry of an invalidated insurance claim should the unthinkable occur.
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