One company offering very good holiday home insurance policies is Endsleigh – found at the web address endsleigh.co.uk. Via their holiday homes brokers Woodstock, they offer policies that are tailored to the specific requirements of those owning holiday properties. The holiday home insurance offered by the company covers homes in the UK and Europe as well as for commercial and private holiday properties. They are also able to offer specialist advice to ensure that you choose the correct level of coverage to suit your needs and competitive premium levels. A quote can be secured online or via a 24-hour telephone service.

There are a number of other companies offering holiday home insurance coverage, including Schofields (schofields.ltd.uk ) and Towergate Insurance (towergateinsurance.co.uk) and there is little difference in much of the coverage provided by these companies. With these companies it is also possible to secure a quote on a policy online or via a telephone service, available 24 hours a day. However Schofields offers particularly good coverage in terms of UK holiday properties, which can be more difficult to secure comprehensive protection for, due to the greater risk of problems such as frozen and burst water pipes in the UK climate.

Ideally, with so many insurance providers offering holiday home insurance, you should check comparison sites as well as contacting a number of companies, before deciding on a policy, in order to ensure that you do not settle for something less than ideal.

If you asked most holidaymakers what their travel insurance covers after they’ve taken it out, they probably wouldn’t be able to tell you. It’s not explained to them, they just assume it covers anything and everything. Luckily, in most cases, it covers the basics such as health and lost/stolen items. But there are a number of things you should be aware of should you need to make a claim.

The main thing is the excess. As with any type of insurance, the excess is what you’ll need to pay out of your own pocket should you make a claim. The other thing to find out is specifically what your insurance covers. Does it cover stolen luggage, cash and exactly how much does it cover? Also, what is the policy if your cash or baggage is stolen as opposed to lost.

You may also want to find out the level of health cover you receive. All travel insurance premiums cover your health to some extent, but on some policies, you may need to pay for certain parts of it yourself. You should be sure you know exactly what is covered and what isn’t.