Is
your Holiday Home Insurance Policy Written in a Language that
you can Understand? By Philip
Suter
You
have just purchased that dream holiday home property and one
issue that needs to be sorted out prior to the completion
is the property insurance.
Imagine
if that property was in France, Spain, Portugal, Greece,
Denmark, Germany or Italy. Do you speak the language well
enough to understand the insurance in Portuguese for example?
Many insurance companies in European countries have advisers
who speak English, however normally the policy will still
be in the local language. Insurance policies are often difficult
enough to understand in your mother tongue, but in a foreign
language you probably wouldn’t know what was covered and what
was not.
There
is an answer now as several British based insurance companies
are now covering overseas properties. The policy is written
in English and you deal with someone who is experienced
with insurance on holiday home properties in the country that
your second home is located in.
There
are now also many multinational insurance companies with familiar
names in Britain that are becoming just as well known in France
and Spain. Many of these can now help with your insurance,
but careful research on the Internet or recommendation from
friends is very important.
You
do need to ensure that the property is covered for paying
guests and when you are not in residence for several months
a year. The other major considerations are: Theft, Malicious
Damage, Fire, Flood, Burst, Pipes, Storm, Impact with road
vehicles, Subsidence, Landslip, Heave and Earthquakes.
“Small
print” in insurance documents is often hard enough to
understand in your own language and very difficult in a foreign
one, so never be afraid to ask for professional advice explaining
anything that you are not happy with.
Philip
Suter is a Director of jml Property Services http://www.jmlproperty.co.uk
a UK based company offering Insurance products on line at
http://www.jml-property-insurance.co.uk
and a holiday home advertising service http://www.jmlvillas.com
and management training within the uk. He is a very experienced
property consultant with over 30 years work in the Residential
letting business in the UK and served on the National Council
of ARLA. He is a Fellow of the National Association of Estate
Agents (NAEA) and a Member of The association of Residential
Letting Agents (ARLA)
Article
Source: http://EzineArticles.com/?expert=Philip_Suter
N.B.
This information should not be relied on for accuracy and
is presented here without the responsibility of jml Property
Service and the website it is being displayed at. ©jml property
Services 03-06
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