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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