Holiday Home Insurance

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Holiday & Second Home Insurance – Tailored to your needs

At Think, we specialise in arranging second home insurance and holiday home insurance, and we can cover both domestic, UK based properties, as well as those based overseas in the EU.

Holiday homes are generally viewed by many insurers as a higher risk than standard homes and many will steer clear from insuring them as they don’t fully understand the risk. The insurers we work with however do know the holiday home insurance market, and don’t believe this to be the case, as long as you put a few basic security measures in place to protect your property.

The holiday home insurance policies we offer are tailored to match the unique needs of a holiday homeowner, irrespective of whether the property is used by yourself, your family and friends, or as a holiday let for other people.

Our holiday home insurance covers you when the property is left unoccupied for long periods of time, or for when you are looking to rent it out to third parties, when you aren’t going to be there yourself.

By arranging your holiday or second home insurance through Think you could benefit from:

  • Cover for properties with a rebuild value of over £500,000 – specialist cover for holiday homes and second homes
  • Worldwide all risks cover on all contents & possessions – cover against theft, loss and damage of your possessions when you temporarily take them away from home
  • UK and overseas properties – domestic and EU based second homes and holiday homes covered
  • Market leading fine art cover – cover for loss in value, death of artist and cover while at the restorers
  • Jewellery & antique collection cover – cover for high value jewellery, antique collections or other valuable possessions
  • Home appraisal service – one of our expert valuers will help you get an accurate picture of the value of your holiday home or second property
  • High single article limits – higher than average individual item limits Legal expenses up to £100,000
  • Access to a private client specialist - have an expert manage your policy throughout your time with us

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A Tailored Approach to Holiday Home Insurance

At Think, we specialise in providing a personalised, tailored and highly confidential service for discerning individuals with significant assets they want to protect.

We can provide you with comprehensive building and contents cover, both at home and overseas, including fine art, antiques, collectables and jewellery, all at competitive prices.

Because of our knowledge and experience, we have developed relationships with the leading high net worth insurers, and many other industry specialists including valuers, restorers and security consultants.

We recognise that a ‘one-size-fits-all’ approach will never benefit those with prestige second homes and holiday homes, and significant personal possessions, and so offer a tailored, personalised approach to make sure you get the insurance cover that’s right for you.

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Make sure your holiday home has the right level of insurance cover

To ensure your second home has sufficient cover in place, you will need to confirm the following bits of information:

What is the property used for? When you aren’t using it, will it be empty, or will you be letting it out for others to use? Will there be anyone looking after the property when not in use? This can all make a difference on your insurance premium.

How often will the property be visited? How frequently will there be someone at the property, and what percentage of the year will it be left empty? The longer a property is left empty, the greater the risk.

What contents are there in the property and what is their value? What will you be leaving in the property while you are not using it, and what contents will be accessible by any other visitors to the house, including holiday-goers renting it from you?

What type of locks are on the property? Most insurers will be looking for British standard mortise locks BS3621 or 5 lever locks, as well as key operated window locks.

What is the rebuild value of your property? How much will it cost to rebuild the entire property from scratch should the worst happen? If you are unsure you can visit the ABI website ( to help you calculate the rebuild value.

Does the property have a flat roof, and what percentage of the total roof space is flat? The greater the percentage of the property that has a flat roof, the greater the risk and the higher the insurance premium is likely to be.

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More reasons to choose Think Insurance for your Holiday or Second Home insurance:

  • Our specialist holiday or second home insurance policies are underwritten by some of the leading prestige home insurers in the industry.
  • Our claims helpline is free to call, is available 24 hours a day, and based solely in the UK.
  • We offer a variety of payment options including flexible instalment plans and direct debit facilities.
  • All of our staff are UK based, highly qualified and equipped to deal with your insurance requirements.
  • We run our company along small brokerage lines so can give you and your business the personal focus, attention and level of customer service you deserve.

Get a holiday home or second home insurance quote today and see the difference we can make to you.

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