A simples guide

Should I let my insurer know I'm going on holiday?

When you’re about to go on holiday, there’s a lot to be thinking about. Top of the list is probably remembering the passports if you’re going abroad, closely followed by the sunscreen if you’re off somewhere warm!

Don’t forget to cancel the newspapers and the milk and, if you’ve got great neighbours, arranging for them to keep an eye on the place for you would seem like a sensible thing to do.

Telling your insurer that you’re going away is probably not near the top of that list of things to do. The good news is that in normal circumstances, you don’t need to tell them anyway.

There are just a couple of things to be aware of

Home buildings and contents policies usually contain a clause which requires the property to be continuously occupied. They know of course, that most people go to work, go shopping and go off on holiday. That’s why the clause will usually state that the property must not be left unoccupied for more than 30 consecutive days.

So, if you’re embarking on a lengthy adventure for longer than this, you’ll need to let your insurer know as your standard policy won’t cover you. For most people, heading off on a short break, this won’t apply and you’re free to turn your attention to the other things!

No one wants to come back from holiday and find they’ve been burgled so it’s important that you take the necessary precautions before you leave. From an insurance point of view, you do have an obligation to take reasonable care and not to make things easy for a thief.

That means installing security systems, locking your doors and windows, not leaving a spare key where they might find it and be able to enter the house, and not leaving valuables on display. Common sense really.

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