If you’re away from home an extended period of time, such as a long trip overseas, you could find yourself unable to claim on your insurance if you’re burgled.
One in seven of the 55 separate home insurance policies we recently looked at had an ‘unoccupancy’ clause, excluding loss and damage claims, that kicked in after only 30 days.
Those building and contents policies, from AA, Admiral, Endsleigh, Esure, Lloyds, Shielas’ Wheels, Swiftcover and Zurich, would come up short if you’re on a break of longer than a month.
- In our home insurance reviews, we scrutinise the standard policies of 39 providers, as well as feedback from thousands of customers, to ensure you find the most suitable deal.
Check for unoccupancy clauses with your insurer
For most of the policies we looked at, the full cover period lasted for 60 days – but there was a wide range, and some allow you to extend your policy.
Admiral’s more expensive ‘Gold’ and ‘Platinum’ policies offered extensions for 45 and 90 days respectively, while the Lloyds home insurance policy allowed for up to 60 days cover for a typical added premium of around 10-20%.
If you anticipate spending a long time away from home, check with your insurer that it can provide ongoing cover, and what arrangements you may need to have in place.
The longest period of cover revealed in our research was 180 days, from Budget Insurance – although this was contingent on the house being ‘attended’ at least once a week.
|Policies with 30-day unoccupancy clauses|
|Insurer||Policy name||Period of cover|
|AA||Standard Home Insurance – Buildings and contents||30 days|
|Admiral||Home Insurance||30 daysa|
|Endsleigh||Home and possessions cover||30 days|
|Esure||Home insurance||30 days|
|Lloyds Banking Group||Home insurance||30 daysb|
|Sheilas’ Wheels||Home insurance||30 days|
|Swiftcover||Swift Made||30 days|
|Zurich||Home insurance||30 days|
Research: May 2016. a Gold policy is for 45 days, Platinum up to 90 days. b Can extend to 60 days for around 10-20% of premium.