Ireland's broker on unoccupied holiday home insurance

Insurance for unfair dismissals – Can SMEs afford to trade without it?

October 10, 2016

Redundancy related insurance claims on the rise | Ireland

December 16, 2016

Published by James Martin at November 21, 2016

Cover can include:

–Public Liability
-Fire
-Smoke
-Lightning
-Explosion
-Storm
-Flood
-Escape of water from tanks or pipes
-Escape of oil
-Collision by vehicle
-Falling trees
-Theft or attempted theft
-Malicious damage
-Subsidence
-Accidental damage
-Loss of rent or temporary accommodation costs
-Fire brigade charges
-Trace & access

Warranties which may apply:

Insurers accept that holiday homes are unoccupied for periods of time so a ‘holiday home policy’ will normally carry a condition similar to the following:
‘If the property is unoccupied between the 1st November to 31st March then:
1. The property must be regularly checked by a responsible person.
2. The water must be turned off and the system drained or the heating must be left on timer to come on daily and the loft hatch must be left open. In addition, if there is a thermostat then this must be left to 55 degrees Fahrenheit. You must ensure fuel supply is adequate’
NOTE: THIS IS AN EXAMPLE ONLY – EVERY HOLIDAY HOME INSURANCE POLICY CARRIES IT’S OWN UNIQUE WORDING.

Can we spread the payments?

Yes. Finance can be arranged. (subject to approval)

What service do we offer?

-A single contact person for queries or claims.
-Impartial advice on all aspects of your insurances.
-We will represent your interest with insurers in the event of a claim or other issue. We place millions of €uro of premium with insurers every year and have strong relationships with insurance company staff, which we exercise on your behalf.
-We offer the same level of service that has kept our clients coming back for more than 30 years.

What happens when a claim occurs?

-Claims are reported to our office via the assigned contact person.
-We will report to the insurers and arrange an assessor if required.
-We will assist in form filling and assist with all aspects of the claims settlement.
-We work for you and represent your interest with insurers by calling on our experience and relationships with insurers.

If you would like a holiday home insurance quotation, please call us on 049-4332944, e-mail info@martininsurance.ie or complete our online enquiry form.

Disclaimer: The material contained is this article is for general information purposes only and does not constitute professional advice.

James Martin

James Martin has 16 years of experience as a general insurance broker. He is a member of the Chartered Insurance Institute and has completed a Diploma in Corporate Finance.

“We have been dealing with Martin Insurance for many years, and it’s the personal service that keeps us coming back year after year.”

Peter Strahan, Managing Director

Lantech IT Services Ltd (Dublin)

“We have been a customer of Martin Insurance for a number of years on business and vehicle insurance. We have always been extremely happy with the expertise and service we received from their knowledgeable and helpful staff, and have no hesitation in recommending them to any business owner.”

Ken Taylor, Managing Director

K.T.Communications Ltd (Monaghan)

“We have been a customer of Martin Insurance for business and vehicle use for a number years now and they always provide a friendly, efficient, reliable and professional service. Each year we know they are looking after our needs and making sure we get the best service and customer care. We would have no hesitation in recommending Martin Insurance to provide the correct cover for your needs.”

Nevin Traynor, Managing Director

Traynor Environmental Ltd (Cavan)

Holiday Home Insurance | Ireland