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House insurance while away on a long trip

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  • 01-12-2015 2:56pm
    #1
    JonMac
    Registered Users Posts: 467 ✭✭


    Does anyone know of a company that will continue full cover of the house while away from home on a long trip.
    I've seen that in the UK it is possible to get 90, 120 or even 180 days for an extra premium.
    Our company has down-rated us to fire only while unoccupied.


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    #2
    *Kol*
    Registered Users Posts: 2,549 ✭✭✭*Kol*


    After how long is your insurance downgraded? It's normally 90 days?


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    #3
    JonMac
    Registered Users Posts: 467 ✭✭JonMac


    I've been struggling to find 90 days! My lot allow 30 at full cover. If it is over 30, then day 1 onwards is fire only.


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    #4
    Car99
    Registered Users Posts: 2,530 ✭✭✭Car99


    Could you insure your house as a holiday home , a little more expensive but probably cover you for longer periods of absence or get someone to housesit while you're away ?


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    #5
    JonMac
    Registered Users Posts: 467 ✭✭JonMac


    House sitting is probably the best option, but you need a responsible person!
    In the UK, motorhome owners can get upto 180 days for an additional premium; why not here?


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    #6
    niloc1951
    Registered Users Posts: 2,036 ✭✭✭niloc1951


    I've 45 days on my insurance. when we go way for a longer period one of our children or siblings will come and stay in the house for a couple of days/nights about once a month or sometimes more frequently.
    The policy specifies that the 45 days is continuous unoccupation, so when they lock up and go home a new 45 days starts.

    BTW, any person who stays there with our permission will do but AFAIK they must not be a paying guest.


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