Skip to content

Overseas Property Insurance

Find UK Insurance for your overseas property quickly and easily when you compare quotes using one short form.*

Get Overseas Property Insurance Quotes

Can I get UK Insurance on an Overseas Property?

Yes, you can. Insuring an Overseas Property doesn’t mean that you have to take out Insurance with a provider based in that country, you can compare policies from UK providers to find a suitable policy and protect your property and your investment.

Other Insurance Options for Taxis

Compare quotes and review policies to find the cover you need.

A simple line-drawn icon, in the Here4 Insurance brand colours of yellow and red, depicting a Warning Sign similar to those that might be used when there is a slippery floor or surface - the icon represents Public Liability Insurance.
Public Liability Insurance
Hire and Reward Insurance

Can I just get standard Home Insurance?

This time, it is a no. Standard Home Insurance won’t be suitable for an overseas property – not only because of the location but also because Home Insurance is designed for properties that are used as a main residence and not left empty. Overseas properties like Holiday Homes or Holiday Lets are often left empty and used differently to a main residence, and so they have different risks associated with them. Different types of risks require different types of Insurance.

What should I consider when looking at quotes for Overseas Property Insurance?

As with any type of insurance purchase, the right policy for you will be the one that offers the levels of cover, protection and support you need – at a price that feels comfortable. The best way to find this balance between product and premium may well be to compare a number of quotes for your Overseas Property Insurance.

Some points that you might want to bear in mind when you are reviewing insurance policies and comparing quotes include:

Local Requirements: It’s essential to understand and comply with the insurance requirements of the country where the property is located. Some countries might require you to have certain types of insurance locally, even if you have a UK policy, so always check that.

Types of Coverage: Consider what you need to be covered. Standard policies might include building and contents insurance, liability insurance, and sometimes even loss of rental income. Depending on the location, you might also need to consider additional coverage for risks like earthquakes or floods.

Legal and Tax Implications: Be aware of the legal and tax implications of owning and insuring a property abroad. It can be useful to consult with a legal expert who specialises in property law in both the UK and the country where the property is located.

Claims Process: Understand the claims process, especially how claims will be handled across different jurisdictions. For example, do you need an insurer that provides support and services that are accessible from both the UK and the overseas location?

Overseas Property Insurance & Paying Guests

Owners of properties abroad often choose to let or rent their homes to paying visitors in addition to using them for family holidays. Insurance takes on added significance when you offer your property for rent for a few straightforward reasons:

  • The likelihood of harm to your property increases.
  • The potential for damage to the items within your property also rises.
  • You face potential legal liability if a paying guest gets injured or their belongings are damaged during their stay.

This last point is a key one to consider for anyone letting members of the public rent their overseas property, and it is why additional Public Liability Insurance can prove invaluable to owners. This will cover legal fees and compensation claims that could result from a guest in your accommodation holding you liable for accidents or injury. It may be included with the Overseas Property Insurance that you choose, or you may get a separate stand alone policy.

Overseas Property Insurance

Find UK Insurance for your overseas property quickly and easily when you compare quotes using one short form.*

Get Overseas Property Insurance Quotes

Compare More; Pay Less?

It’s always a good idea to compare quotes for insurance in the UK, whatever type of insurance it is. Comparing quotes allows you to check out the differences in policies, select the cover you need, and discover additional options that might be just right for your circumstances. And, of course, comparing quotes means comparing costs too, and helps you find the best price for the insurance that you need.

A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a road with a number of different vehicles on it including cars, vans, trucks, motorhomes, taxis, motorbikes and bicycles. The scene represents some of the types of UK Vehicle and Driver Insurance available in the On the Road category on the Here4 Insurance website.
On The Road
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a row of different buildings, including houses, apartments, flats, shops, offices, commercial property and rental property. The scene represents the types of UK Insurance available in the Homes and Buildings category on the Here4 Insurance website.
Home & Buildings
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a town landscape in which different businesses have their offices, workshops, garage and shops. The buildings symbolise the many different businesses, trades and professionals who can find relevant insurance products in the Business, Work and Trade section of the Here4 Insurance website.
Business, Work & Trade
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a row of different suitcase and travel bags to represent the types of UK Insurance available in the Travel, Holidays and Leisure category on the Here4 Insurance website.
Travel, Holidays & Leisure
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting several different groups of people in a park - one is walking a dog, a couple are sitting on a blanket playing with their young child, and another, younger couple are sitting together on a park bench talking about their future. The scene represents the types of UK Insurance available in the Personal Family and Pets category on the Here4 Insurance website.
Personal, Family & Pets
*

*Here4Insurance have partnered with Quotezone.co.uk to help you save money on Overseas Property Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4 Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.