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UK Holiday, Overseas and Second Homes Newsletter 02-09-2016

Tel:  0115 950 5052

Fax: 0115 950 5053


Staycation vs. Vacation

The UK may be leaving Europe, but we are not!

Up to 2.2m Brits currently live in Europe as expats, with a further 1m owning a property abroad.

(Source: https://insuremyvilla.com/blog/how-will-the-brexit-affect-overseas-property-owners/)

Did you know Vasek’s appointed representative, Insure My Villa, specialises in insuring overseas property? Insure My Villa’s policies are designed to provide cover for owners of property abroad, either as a main residence or holiday home, and can be operated in sterling (£) or euros (€).

The top 5 most popular destinations for British expats in areas we cover are:


  1. Spain
  2. Ireland
  3. France
  4. Italy
  5. Portugal


(Source: http://uk.businessinsider.com/british-expats-most-population-destinations-2015-9)

As well as these locations, our Insure My Villa product also provides cover in Gibraltar, Monaco and all of Cyprus.

Cover can be arranged for:


  • Holiday homes for personal/friends and family use.
  • Holiday homes let to holidaymakers.
  • Main residence.
  • Add the UK property to the same policy for added protection.



  • All risks covered for main residence.
  • Emergency travel expenses.
  • Written in and subject to English law with an in-house claims team.
  • Malicious damage or terrorism
  • Loss of rent or alternative accommodation.



  • Up to £1,000,000 (€) legal liability to the public as standard.
  • Earthquake covered as standard (optional in Italy and Cyprus).
  • Solar panels covered including electricity sold back to the grid.
  • Underwritten by Lloyds.


Highlights of the cover include:

Instant online quote facility available.

New users, simply visit InsureMyVilla.com and use your existing Vasek agency reference number to register (following on-screen instructions).

In addition to this, 160,000 people also own a second/holiday property in England and Wales, cover for which can be provided by Vasek Insurance – Continue for more details!

UK Holiday Homes/Second home

Across England and Wales, 165,000 homes are used for holiday home purposes, analysis of Census data by Direct Line shows.

Cornwall is the UK holiday hotspot of England and Wales, and along with Norfolk and Wales has seen a rise in second homeownership in the past two decades.

Some 10,169 properties (6.2% of the overall properties in Cornwall) are used solely as holiday homes.

Our UK holiday homes/second homes policy provides cover for properties that are used for personal use or renting to holidaymakers.


  • Full accidental damage cover as standard
  • Storm or flood cover
  • Escape of water from any fixed appliance, pipe or tank, plus damage caused by frost
  • Accidents to domestic staff
  • £50 standard policy excess (including escape of water)


  • Malicious damage caused by holiday let tenants
  • Trace and access
  • Loss of rent/alternative accommodation up to 100% of buildings sum insured
  • Theft or attempted theft
  • Property owners/occupiers liability

NO additional unoccupancy exclusions applied if property left unoccupied for more than 60 consecutive days. Policy conditions do apply, such as Heating Clause during winter months.

ONLINE quote system.

NO main residence requirements.

CAN be incorporated into a portfolio of residential lets.

Whether your customer’s holiday home is within the UK or Europe, you can be safe in the knowledge that we have the right policy available for them in case the worst should happen.

For further details, visit our websites or speak to one of our Business Development Managers, who will be happy to answer any questions.

    FINALLY, a few travel facts:

  • Taking a holiday can lower your risk of heart disease
  • France is the most visited country in the world for tourism
  • Spain produces 45% of the world’s olive oil, a whopping 1.5m tonnes
  • The shortest flight in the world is just 2 minutes, between Scotland and the island of Westray


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