Insuring a UK home as a Spanish Resident

Kelvin1960 wrote on Thu Dec 10, 2020 2:27pm:

We changed the status of our UK home to "holiday home" and insured it a such.

We had our UK car insurance with Admiral (registered to our UK address). We explained to Admiral  that we had received Spanish Residency and new Spanish driving licences. They were fine - they just issued a change notice on the policy ...  "change of licences"....

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paulsav wrote on Thu Dec 10, 2020 2:55pm:

Kelvin

I know I, ve spoken before about car insurance and Admiral refused to cover us as would be Spanish residents for our cars or house. Did you insure your house as holiday home with more than 90 days unoccupancy with a UK insurer or have you used a Spanish insurer? Also have you been notified as to ...

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...non residents tax on your UK house? Interested as to how they value it. 

Regards 

Pauline 

Kelvin1960 wrote on Thu Dec 10, 2020 2:27pm:

We changed the status of our UK home to "holiday home" and insured it a such.

We had our UK car insurance with Admiral (registered to our UK address). We explained to Admiral  that we had received Spanish Residency and new Spanish driving licences. They were fine - they just issued a change notice on the policy ...  "change of licences"....

Read more...

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Kelvin1960 wrote on Thu Dec 10, 2020 3:12pm:

We used a UK insurer for the home.

Don't recall the occupancy for sure (but I think it was >90 days). There were clauses about emptying the hot water cylinder etc. in winter.

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That UK home is now rented out, so is treated differently for tax. It was rented out by the time we submitted our Modelo 720s.

Re Admiral ... my wife just asked nicely.

colin4457 wrote on Thu Dec 10, 2020 5:20pm:

My UK registered car is currently insured with Sainsbury's Bank but they have said the policy is for UK residents only. My son works for a specialist insurance company and they were also unable to find me insurance in the UK. I will check with Admiral but have a quote from Liberty Seguros which w...

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...ill cover us both in Spain & the UK.

I have yet to begin discussions regarding insuring our UK house but expect something similar. We will probably split our time equally between Spain & the UK for the next couple of years and are unlikely to rent out either property.

Thanks for your input!

Colin

Kelvin1960 wrote on Thu Dec 10, 2020 5:27pm:

Our UK home that was the "holiday home" is now rented out.

We have non-resident landlords insurance on it.

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Coincidentally, the insurance is up for renewal. The broker (A-Plan) phoned me yesterday and I paid the premium, but they warned me that they might not be able to offer the policy again next time due to Brexit.

So ... yes ... it is getting more difficult.

Re the car ... Liberty Seguros is a good choice. We insured our UK cars (with Liberty in Spain) while they were still on UK plates/registered to our UK address, and just continued once the plates were changed.

Kelvin1960 wrote on Thu Dec 10, 2020 2:27pm:

We changed the status of our UK home to "holiday home" and insured it a such.

We had our UK car insurance with Admiral (registered to our UK address). We explained to Admiral  that we had received Spanish Residency and new Spanish driving licences. They were fine - they just issued a change notice on the policy ...  "change of licences"....

Read more...

...

Christine27 wrote on Thu Apr 21, 2022 2:50pm:

It is now April 2022. We were able to insure our UK home as a holiday home, absent for > 90 days at a time, as Spanish residents. We used Intasure, and also were quoted a premium by Towergate. Be prepared though...it isn't cheap.