marchie
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We were told just before our aborted Autumn 2021 Trip to Spain for Winter Sun, that we could either pay an additional premium of some £30 to extend the 60 days Unoccupancy Cover to 90 days; OR, if the Trip overlapped our Renewal Date, we would not need to bother, because the Renewal Premium reset the 60 days limit, effectively giving up to 120 days cover
Enquired last night by email if the 'rollover' of 60 days cover was still available, or whether I would need to pay for the extension to 90 days. Email reply this morning:
QUOTE STARTS 'I'm afraid, we no longer offer cover for when your property is unoccupied for more than 60 days in a row.
After the 60 days of unoccupancy the following exclusions will come into force.
The exclusions that come into force after 60 days, are as follows:
Theft or attempted theft
If you decide to go ahead with your trip for more than 60 days, kindly let us know. QUOTE ENDS
So no relative or trusted neighbour checking the property to continue Cover, including the occasional 'sleepover' routine, and expecting the neighbours to do the cleaning ... That statement puts our existing cover at risk [embarrassing when you have remove the dust from the outside of the hoover before using it]
I've seen posts in other Forums where the new 'normal' is 60 days absence maximum per trip, including some 'badged' policies [IIRC, including John Lewis & possibly M&S], so back to the drawing board!
Steve
Enquired last night by email if the 'rollover' of 60 days cover was still available, or whether I would need to pay for the extension to 90 days. Email reply this morning:
QUOTE STARTS 'I'm afraid, we no longer offer cover for when your property is unoccupied for more than 60 days in a row.
After the 60 days of unoccupancy the following exclusions will come into force.
The exclusions that come into force after 60 days, are as follows:
Theft or attempted theft
- Malicious people or vandals
- Escape of water from water tanks, pipes, equipment, or fixed heating systems
- Water freezing in tanks, equipment, or pipes (Buildings only)
- Heating fuel leaking from a fixed heating system
- Contents in the garden (Contents only)
- Accidental Damage to fixed glass and sanitary fittings (Only if Accidental Damage -Buildings is selected)
- Contents Tenants Liability (if applicable)
If you decide to go ahead with your trip for more than 60 days, kindly let us know. QUOTE ENDS
So no relative or trusted neighbour checking the property to continue Cover, including the occasional 'sleepover' routine, and expecting the neighbours to do the cleaning ... That statement puts our existing cover at risk [embarrassing when you have remove the dust from the outside of the hoover before using it]
I've seen posts in other Forums where the new 'normal' is 60 days absence maximum per trip, including some 'badged' policies [IIRC, including John Lewis & possibly M&S], so back to the drawing board!
Steve