Assumptions

About the property

The property is a holiday home and not a permanent residence

The property is not occupied consecutively for a period in excess of 4 months by the same occupant

All final external doors at the property are fitted with a mortice deadlock of at least five levers

All other doors allowing entry or exit to the property must be fitted with a lock as described above or by a key operated mortice security bolts top and bottom of the door in addition to the existing locks

Any external sliding doors must be fitted with key operated sliding door locks which have been mounted internally on the centre rails

Any ground floor basement or accessible upper floor windows must be fitted with one of the following:

• Key operated locks or security devices
• Wooden shutters with interior locks
• Metal grilles embedded into the wall

There is no trade, profession or business being carried out in the property other than normal sub-letting as a holiday home

The property to be insured is in a neighbourhood free from a history of storm or flood

The property is not situated on a Holiday Site/Park

The property to be insured is a good state of repair and will be so maintained

The property is in a block of no more than 10 flats / apartments

The property is not situated above any shop or business

The property is not a chalet

In respect of subsidence, heave or landslip, the property is not:

• Showing any signs of damage (such as cracks, inside or out)
• Showing any signs of movement or been the subject of structural repairs at any time
• The subject of a valuation or survey report which mentions settlement or movement of buildings or recommends further investigation

Occupation

You or any of the proposers are not employed in the occupations or businesses detailed below:

Casino or Club Owners; Amusement Caterers; Scrap Metal Dealers or Merchants; Pop Musicians; Professional & Semi-Professional Sportsmen/Sportswomen; Fairground Showmen; Circus Employees; Actors & Actresses; Models; Itinerant Workers or Traders;

Caravan Dwellers/Travelers; Foreign Diplomats, Embassy Personnel or Members of Foreign Armed Forces

Personal History

We regret that we are unable to provide cover where a person who resides in the property has been convicted of arson or any other offence involving dishonesty, for example, Fraud, Theft or Handling stolen goods and also if any proposer or joint proposer has been refused insurance in the past or had special terms imposed by a previous insurer.

If your details fall outside the above criteria, please contact us on 0844 8921464 as we may still be able to offer a quotation.