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Taking Out Holiday Villa Home Insurance

Posted: Tue May 14, 2024 9:23am
12 replies3 members subscribed
messex

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Hello,

Could anyone please advise us of a good home insurance for a holiday home in La Marina.

We’ve had a home insurance policy with AXA for 34 years - when we first bought our holiday home with Masa. Never tried to make a claim until 2004- but with no success:  when the house was broke into, in 2004, they said we must go to the police in Spain to make a claim.  When we said we could not get to Spain, due to restrictions, they ceased communication and offered no help.  This year we arrived at our villa and found our gate/boundary wall had been smashed down (we think by a lorry), they now say we need to prove who did it?!

I keep asking for a copy of our policy to see if the wall is covered and to see what (if any) excess there is.  After five weeks we have received little response and now they have stated that we need to prove who caused the damage?!

We are not happy with AXA and decided we need to change insurance company, or just forget about having home insurance?!

Can anyone please advise us?

Thank you.

Flyingduck81

Posted: Tue May 14, 2024 6:47pm

Flyingduck81

Helpful member

Posts: 112

118 helpful points

Location: Albatera

Joined: 28 Dec 2017

Posted: Tue May 14, 2024 6:47pm

It could be that you can get your answer from Masa who may have a special policy for holiday homes with Axa. It's got to be worth a try, they may even have their own contacts at Axa who could help.

As for a good insurer, that is very subjective but you need to read the full terms and conditions before deciding which best suits your needs. If the villa is left for more than 90 days without any inspection or visit, then it is no good paying for a policy which only covers up to 60 days as nothing will be covered for the whole time it has been unoccupied, not even the first 60 days. There are reasons I can see your theft claim was refused if you couldn't come over....what were the travel restrictions in 2004?

Asking for details of who caused the damage is unreasonable to me because I live here permanently but if I was in town shopping and someone drove into my wall, how on earth could I know who did it? There is something not quite right about this bit but you need the T&Cs.

Good luck

Jandmar

Posted: Wed May 15, 2024 6:56pm

Posts: 5

3 helpful points

Location: Punta Prima

Joined: 21 Jul 2022

Posted: Wed May 15, 2024 6:56pm

Hi,

I have used Intasure Insurance. English company for holiday homes abroad.

Hope this helps.

messex

Posted: Wed May 15, 2024 7:37pm

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Wed May 15, 2024 7:37pm

Flyingduck81 wrote on Tue May 14, 2024 6:47pm:

It could be that you can get your answer from Masa who may have a special policy for holiday homes with Axa. It's got to be worth a try, they may even have their own contacts at Axa who could help.

As for a good insurer, that is very subjective but you need to read the full terms and condi...

...tions before deciding which best suits your needs. If the villa is left for more than 90 days without any inspection or visit, then it is no good paying for a policy which only covers up to 60 days as nothing will be covered for the whole time it has been unoccupied, not even the first 60 days. There are reasons I can see your theft claim was refused if you couldn't come over....what were the travel restrictions in 2004?

Asking for details of who caused the damage is unreasonable to me because I live here permanently but if I was in town shopping and someone drove into my wall, how on earth could I know who did it? There is something not quite right about this bit but you need the T&Cs.

Good luck

Thank you for your comments.  I meant to have said our break in happened in 2020 when covid restrictions were in place.

Regards,

Malcol

messex

Posted: Wed May 15, 2024 7:41pm

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Wed May 15, 2024 7:41pm

Jandmar wrote on Wed May 15, 2024 6:56pm:

Hi,

I have used Intasure Insurance. English company for holiday homes abroad.

Hope this helps.

Thank you for your comments.  I have been on Intasure’s web site and already had a phone call from them. 

Thank you,

Malcolm

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Flyingduck81

Posted: Wed May 15, 2024 8:01pm

Flyingduck81

Helpful member

Posts: 112

118 helpful points

Location: Albatera

Joined: 28 Dec 2017

Posted: Wed May 15, 2024 8:01pm

messex wrote on Wed May 15, 2024 7:37pm:

Thank you for your comments.  I meant to have said our break in happened in 2020 when covid restrictions were in place.

Regards,

Malcol

OK, I would recommend you employ a keyholder. They can make regular checks and are on the ground if and when problems such as this crop up.
If there was nobody there to make the property secure then anyone else could walk in, squat, cause more damage etc. I'm just guessing as your posts don't make it clear how or when the property was secured as you were stuck in the UK.
I would not suggest having no insurance at all just make sure you know what you are covered for and what your responsibilities are. Having a broker would also help as they can be the go between.
I use Gran Alacant Insurances and others on the forum use Jenniifer Cunningham, both, I believe, are agents for Liberty Insurance. 

messex

Posted: Thu May 16, 2024 10:59am

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Thu May 16, 2024 10:59am

Flyingduck81 wrote on Wed May 15, 2024 8:01pm:

OK, I would recommend you employ a keyholder. They can make regular checks and are on the ground if and when problems such as this crop up.
If there was nobody there to make the property secure then anyone else could walk in, squat, cause more damage etc. I'm just guessing as your posts don't ...

...make it clear how or when the property was secured as you were stuck in the UK.
I would not suggest having no insurance at all just make sure you know what you are covered for and what your responsibilities are. Having a broker would also help as they can be the go between.
I use Gran Alacant Insurances and others on the forum use Jenniifer Cunningham, both, I believe, are agents for Liberty Insurance. 

Thank you for your comments.  

Luckily, when we were broken into, a neighbour noticed something wasn’t right and, after we sent him our keys, he and his son made the villa secure until we were able to get over.

It’s good to have good neighbours.


Thank you,

Malcolm

messex

Posted: Thu May 16, 2024 6:44pm

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Thu May 16, 2024 6:44pm

messex wrote on Thu May 16, 2024 10:59am:

Thank you for your comments.  

Luckily, when we were broken into, a neighbour noticed something wasn’t right and, after we sent him our keys, he and his son made the villa secure until we were able to get over.

It’s good to have good neighbours.


Thank you,

Malcolm

Hello, 

Just as a final note, I received the following information today from AXA:

Good afternon Malcom. 

Ive got a answer. And they told that we need identify who did the demage. As we cant prove any of circumtance we cant repear the demages. 

I send to you the answer Ive got from the company.

*The vehicle must be identified in order to process the recovery.*

*Object impact*

*What covers you:*

Material damage to insured property when any of the following circumstances occur:

   *Collision of land vehicles or the goods transported by them, as lomg as it is identified. 

    *Fall of any object coming from outside, as long as they are not your property.

   *Impact of animals, as long as they are not your property.

*It does not cover:*

  * Damage to household belongings stored outdoors, even when protected by flexible materials (tarpaulins, plastics, inflatable constructions or similar) or contained inside open constructions.

 * Damage caused by vehicles, animals or objects that are your property or under your control or by members of your family or people who depend on or live with the Policyholder or Insured.

messex

Posted: Thu May 16, 2024 8:07pm

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Thu May 16, 2024 8:07pm

Hello, 

Just as a final note, I received the following information today from AXA:

Good afternon Malcom. 

Ive got a answer. And they told that we need identify who did the demage. As we cant prove any of circumtance we cant repear the demages. 

I send to you the answer Ive got from the company.

*The vehicle must be identified in order to process the recovery.*

*Object impact*

*What covers you:*

Material damage to insured property when any of the following circumstances occur:

   *Collision of land vehicles or the goods transported by them, as lomg as it is identified. 

    *Fall of any object coming from outside, as long as they are not your property.

   *Impact of animals, as long as they are not your property.

*It does not cover:*

  * Damage to household belongings stored outdoors, even when protected by flexible materials (tarpaulins, plastics, inflatable constructions or similar) or contained inside open constructions.

 * Damage caused by vehicles, animals or objects that are your property or under your control or by members of your family or people who depend on or live with the Policyholder or Insured.

Ma

messex

Posted: Thu May 16, 2024 8:09pm

messex

Original Poster

Posts: 16

2 helpful points

Location: La Marina

Joined: 3 Nov 2021

Posted: Thu May 16, 2024 8:09pm

Flyingduck81 wrote on Wed May 15, 2024 8:01pm:

OK, I would recommend you employ a keyholder. They can make regular checks and are on the ground if and when problems such as this crop up.
If there was nobody there to make the property secure then anyone else could walk in, squat, cause more damage etc. I'm just guessing as your posts don't ...

...make it clear how or when the property was secured as you were stuck in the UK.
I would not suggest having no insurance at all just make sure you know what you are covered for and what your responsibilities are. Having a broker would also help as they can be the go between.
I use Gran Alacant Insurances and others on the forum use Jenniifer Cunningham, both, I believe, are agents for Liberty Insurance. 

Hello, 

Just as a final note, I received the following information today from AXA:

Good afternon Malcom. 

Ive got a answer. And they told that we need identify who did the demage. As we cant prove any of circumtance we cant repear the demages. 

I send to you the answer Ive got from the company.

*The vehicle must be identified in order to process the recovery.*

*Object impact*

*What covers you:*

Material damage to insured property when any of the following circumstances occur:

   *Collision of land vehicles or the goods transported by them, as lomg as it is identified. 

    *Fall of any object coming from outside, as long as they are not your property.

   *Impact of animals, as long as they are not your property.

*It does not cover:*

  * Damage to household belongings stored outdoors, even when protected by flexible materials (tarpaulins, plastics, inflatable constructions or similar) or contained inside open constructions.

 * Damage caused by vehicles, animals or objects that are your property or under your control or by members of your family or people who depend on or live with the Policyholder or Insured.

Ma

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interior building work
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Thy Will Be Done
Jennifer Cunningham Insurances SL
POSITIVE BELIEFS
Espana Dream Properties
Costa Blanca Building Specialists
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Gentlevan Removals
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