Protect your home away from home
Cottage in the countryside? Chalet by the sea? Here at Wesleyan Financial Services, we can find you an insurance policy that’s perfect for your UK holiday home. Whether you rent it out to holidaymakers or it’s your personal getaway, we’re here to help you leave your worries at the door.
- Exclusive discount for eligible Wesleyan members (terms apply)
- Cover for your buildings and contents
- Alternative accommodation if your holiday home becomes unfit to stay in (for you and your paying guests)
- Includes liability cover up to £5 million
- Protects your holiday home when it’s occupied and empty
- Tailor your policy from our panel of specialist insurance providers
What's covered?
Though we can’t promise good weather, we can find you the right level of cover for your holiday home. Tailor your policy to include any of the following:
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Type of cover
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How it works
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Property repairs
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We’ll cover the cost of rebuilding or repair work on your property following an insured event. For example, a flood or a fire.
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Contents cover
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Covers replacements and repairs for any lost or damaged contents. For example, TVs, carpets, furniture, curtains and other furnishings.
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Alternative accommodation
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If your holiday home isn’t fit to live in after an insured event (like a fire or flood), alternative accommodation will be provided for you and your tenants.
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Theft or attempted theft
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This will cover you for theft and attempted theft where there are signs of forced entry, such as smashed windows. You won’t be covered for theft that results from leaving your windows or doors unlocked.
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Cover for loss of rent
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You’re protected for the rent you've lost if your tenants temporarily move out (due to an insured event like a fire or flood).
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Public liability (up to £5 million)
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This covers costs and damages for any bodily injury or property damage that’s caused by an accident at your holiday home.
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Water or oil damage
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You’ll be covered for any damage caused by escaped water or oil. For example, leaks from fixed water tanks, domestic oil-fired heating installations or burst pipes.
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Trace and access cover
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Covers the cost of locating the source of a leak and making the necessary repairs. |
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Subsidence, heave or landslip
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This covers the cost of work needed on the site of your property.
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Replacement locks
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We’ll cover the cost of replacing your locks if there’s evidence that your keys have been copied without your approval. We’ll also cover you if your keys are stolen or lost.
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Legal cover
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This covers personal injury and trespassing at your holiday home.
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What’s not covered?
Unfortunately, holiday home insurance can’t cover you for everything. Your policy won’t include:
- Wear and tear - For example, worn carpets or damp formed over a period of time.
- Guests’ contents - You won’t be covered for any damage or loss to contents that belong to your paying guests.
Optional cover
For an additional cost, you can upgrade your cover to include:
Accidental damage
Keep your property in top condition with accidental damage cover. You can get cover for damage and loss to your buildings and contents. For furniture, carpet, sanitary ware and more.
Frequently asked questions
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What am I entitled to as a member?
Eligible members enjoy 20% off holiday home insurance, as well as exclusive access to discounts across a range of insurance products.
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How does holiday home insurance differ from standard home insurance?
Standard home insurance covers your main residence, whereas holiday home insurance is designed specifically for secondary properties.
Holiday home insurance also covers you for things that standard home insurance policies won’t, like cover for loss of rent.
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What type of holiday homes do you cover?
We cover a wide range of holiday homes across the UK, including chalets, cottages, lodges and cabins. If you’d like to speak to a member of the team about your holiday home before getting a quote, you can call 0808 296 1045.
Important information
Please note that limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including benefits and exclusions, will be provided when you get a quote. Risk must be acceptable to underwriters at normal terms.
Wesleyan Financial Services Ltd is a broker and our insurance products are provided by a number of insurers.
The 20% offer is only available through our advised service for which a fee applies. There is no guarantee that the money you could save by using the offer will be more than the cost of using this advised service.