Holiday home in uk insurance. Permanent residence in spain

Hello

 The poster is enquiring about their home in the UK?  There is no mention of needing Spanish home insurance, I would assume they have that covered.

Cheers

Elinspain

Morning Poppy

Well, that’s a funny one! If the house is in your name, in the U.K., I can’t see what bl👀dy difference “the rulings of Brexit” have.

I’d expect them to levy an increased premium as you are (probably) absent over a certain amount of days, but not refuse on those grounds 

I’d take your business elsewhere 🤪🥂

Hey there thanks for your reply, its the uk insurance company who wont insure the house in uk.

I certainly am Angybadge! I just hope I can find someone who will do it!

We had our UK home insured as a "holiday home" by https://www.aplan.co.uk/

(I think we used the Bristol branch).

It is true ... some insurers are getting out of this business.

We rented our UK home out, so we switched to non-resident landlords insurance, but our broker warned that the options are narrowing for this as well.

Hi Kelvin

That’s interesting. Any idea what the rationale is?

I’m trying to think what the implications are of being a “holiday home” owner, living in Spain, as opposed to living in the U.K.  Not coming up with much 🤔🤪🥂

I don't really know ..... but, by way of example, I used to have an old sports car in the UK on "Classic Car Insurance". I had it with the same insurer for years. Then one day the renewal came up at 4 times the usual price !

When I questioned this, the answer was simply that the insurer was streamlining the business options, and getting out of the "classic" business. So I said "OK, I'll switch to normal insurance, but surely I have many years of NCB ?"   The answer was "your previous classic policy didn't award NCB, so pay up or get lost" .... I paraphrase ...

I had the car transported to Spain and insured it here.

But, in summary, I think many insurers are streamlining, and getting out of niche (unprofitable ?) business areas, and Brexit complexities (real or imagined) will cost money to administer. 

Hey Kelvin its A-plan that knocked us back!

That's interesting.

We keep a car in the UK. It is insured with Admiral. When we obtained Spanish Residency, and then Spanish driving licences, we phoned Admiral to explain things. They issued a policy variation which noted the change of licence; other than that, nothing to do.

There is another member of this forum who insured a car with Admiral, and was knocked back.

So maybe it is a case of who you speak to on the day. Call Centre Agents get targeted on call clearance times as well as business value; so maybe some agents don't think doing something complicated is worth it !

I will look for & pm you the agent's name at the Bristol A-Plan office. They were helpful there.