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admin2026-02-25 12:36:112026-02-25 12:36:112026 Feefo Platinum Trusted Service AwardWho underwrites the holiday home insurance policy?
Canopius – A Managing agent of Lloyds of London. Having a Lloyds of London insurer gives you the peace of mind, that should anything happen, you will be protected.
What is the minimum buildings sum insured?
The minimum sum insured is £150k.
How much buildings cover will I get on my holiday home?
That will depend on the cover levels that you choose. Why not call one of our advisors today that can discuss our different cover levels with you and help you pick the cover that’s right for you.
How much contents cover will I get on my holiday home?
Everybody’s contents requirement is different therefore our advisors can talk you through what you may want to include and help you pick the figure that’s right for you, however our minimum sum insured is £10,000.
How do I calculate the rebuild costs for buildings sum insured?
Buildings Sum Insured (Rebuild Costs)
Please enter the rebuild cost of your property. This must include the cost of debris removal, architects, surveyors, consultants, legal fees, taxation and the additional cost of complying with any government or local authority requirements. (The is not the figure that is provided by some insurers which is £500,000 or £1million, these are blanket sums insureds and is the maximum level that insurer will pay in the event of a total loss, and it also is not the market value of your property).
ABI rebuilding cost calculator
If your UK holiday home is of standard construction the Association of British Insurers (ABI) offers a free (registration required) rebuild cost calculator to assist you assess the rebuilding cost of your property. To use the calculator and obtain an approximate rebuild cost, you’ll need to measure the external floor area of both downstairs and upstairs of your property.
Click here to go to the ABI rebuilding Cost Calculator https://abi.bcis.co.uk/
IMPORTANT INFORMATION: Please be advised that the ABI rebuilding Cost Calculator will only provide an indicative figure for rebuild costs as there are a number of restrictions to the calculator such as, properties with unusual features, thatched buildings, listed buildings or houses made of non-standard materials. Declaring the correct sums to insure your property for, will remain the responsibility of the policyholder at all times.
What is the single article limit for my contents?
It’s sometimes hard to keep track of the replacement value of your contents, that’s why at My Holiday Home Insurance we don’t have a Single Article Limit for your general contents*. That way you can have peace of mind that should something happen, your possessions would be covered.
*Not including things like fine art
What are the excess amounts on holiday home insurance?
We have a £100 excess on our policy for all standard claims, however voluntary excesses are available as well which allow you to individually tailor your policy and possibly benefit from a lower premium.
How much public liability am I covered for?
Our public liability is covered up to £5Million as standard.
Is accidental damage covered under my holiday home insurance policy?
Accidental damage is one of the most common claim types, so for your peace of mind, we offer accidental damage as an optional extra when the property is occupied by you.
If I lose my keys, am I covered?
It happens to the best of us, so should you find yourself in the position that you have lost your keys, you can rest easy knowing that we cover your replacement locks and keys.
I have a hot tub, can this be covered within my policy?
Hot tubs are becoming more common, and as such we have the facility to make sure they are covered under your insurance. Give one of our advisors a call who will take some details and get you covered.
Will the insurance cover my swimming pool?
If you are lucky enough to have a swimming pool, we can include it within your policy. That way you rest easy knowing your fully covered.
What if I rent my holiday home?
At My Holiday Home Insurance, we cover properties that are Let to holiday makers, as well as being used by friends and family. We can also cover accidental damage, theft by the hirer and malicious damage so you have complete peace of mind.
What happens if I leave my home unoccupied for more than 60 days?
At My Holiday Home Insurance, we know it is not always possible to visit your holiday home on a regular basis. Our policies are designed with this in mind. To discuss the policy cover and how we can help you, call one of our advisors who would be happy to walk you through it.
Can I pay for my holiday home insurance by card and is there a charge?
Yes, you can pay by card. We do not charge you extra to use your cards to pay for your holiday home insurance policy and we accept most major credit and debit cards.
Can I pay by cheque for my holiday home insurance?
Yes, you can. Many of our clients still prefer to pay by cheque. Please simply complete your cheque for the correct amount, making it payable to My Holiday Home Insurance. Please write your My Holiday Home Insurance client reference number on the back of the cheque (which can be found on the documentation we sent to you) and post it to:
My Holiday Home Insurance
Royal House
Queenswood
Newport Pagnell Road West
Northampton
NN4 7JJ
Can I cover my garden furniture?
Nobody wants to pack away garden furniture at the end of a long relaxing day, that’s why with My Holiday Home Insurance we cover not only your garden furniture, but your garden contents in the open as standard.
Can I pay for my insurance by Direct Debit?
Yes, you can pay by direct debit.
Can I pay for my static caravan insurance by banks transfer (BACS)?
Yes you can. If you prefer to pay for your annual insurance premium via bank transfer (BACS) this can be done using the account details below.
Account: Assist Insurance Services Limited
Bank: Virgin Money
Account Number: 41179073
Sort Code: 05-06-33
Please ensure you provide your Policy Reference Number as part of the transfer.
How do I make a claim on my holiday home insurance policy?
Call 0344 856 2187 for all UK holiday home insurance claims.
I would like to make changes to my policy, what should I do?
Call customer services on 01604 946 787 if you need to speak to someone about your policy or the cover provided.
What is meant by policy excess?
This is the amount you would need to pay if you made a claim on your insurance policy. Details of what excess you would need to pay is included on your policy schedule.
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