Extended trip abroad

kseymour88

I am planning a three to four month trip abroad and will be probably leaving the house unoccupied for this period of time. Can anyone advise on the best course of action for insuring the property while we're away (we are home owners with a mortgage on the property)?

If we were to let friends stay in the property in exchange for them covering just the bills while we're away, would I still be covered by a standard house insurance properly while they're staying?

Thanks!

PeacefulWaters

Ask your existing insurers.

slinga

I've asked this question on here before and haven't received a firm answer. Which surprises me with so many people living overseas while still retaining their UK property.

Generally if you have a neighbour inspect the property at least weekly then your cover remains in place.

zagfles

You'll have to read your policy and see what it says. Generally they don't cover you if the house is unoccupied for more than a month or so. If you let people stay then you're unlikely to be covered for anything they do.

Caz3121

friends live abroad 6 months of the year and have family stay in their property one weekend every month which satisfies the conditions of their own home insurance policy (not to be left uninhabited for more than 30 days)

LadyDee

I left my house unoccupied for nearly 3 months, and on contacting my insurers to inform them beforehand they told me that so long as somebody was visiting the house weekly and heating was left on "frost" setting (this was during the winter), they were quite happy. However, all insurers are different so it is absolutely essential you check with them.
I did take the precaution of getting their acknowledgement of my plans in writing.

jackyann

The reason that there is no definitive answer, is because insurers vary in the exact conditions they demand.

Begin, as PeacefulWaters said, by asking your existing insurers, as they are likely to give you the best deal.