Admiral Home Insurance - 90 days un-occupied - help

[CaliforniaCylus]

Admiral is one of the few companies allegedly offering 90-days extended holiday cover. I've looked at the Policy booklet and I understand it. When I create the quote I enter 90 days away from home. But I never see that number again.

Admiral claim to add this onto the policy schedule document but this document isn't produced until you buy the product. So I can't see the impact of it.

I spent 2 hours on the phone to them and at the end of the call the guy said he had wholly mis-lead me and the product wasn't suitable. A web chat with someone else suggests otherwise.

That web chat says they add some additional points for cover over 60 days:
- Caveats around leaving the heating on, pipes must be lagged
- Regular inspections
and a couple of others.

Has anyone taken out the policy who could publicly or privately tell me exactly what the policy schedule looks like when you request 90 days. And what all of the additional restrictions are?

I know it's a big ask but it's the one piece of insurance I need to get right. It's sad that Admiral can't easily explain any of this to me! They even said, "Don't worry, it's decided on a case-to-case basis and we record all calls"!!!

 

[acer]

Admiral is one of the few companies allegedly offering 90-days extended holiday cover. I've looked at the Policy booklet and I understand it. When I create the quote I enter 90 days away from home. But I never see that number again.

Admiral claim to add this onto the policy schedule document but this document isn't produced until you buy the product. So I can't see the impact of it.

I spent 2 hours on the phone to them and at the end of the call the guy said he had wholly mis-lead me and the product wasn't suitable. A web chat with someone else suggests otherwise.

That web chat says they add some additional points for cover over 60 days:
- Caveats around leaving the heating on, pipes must be lagged
- Regular inspections
and a couple of others.

Has anyone taken out the policy who could publicly or privately tell me exactly what the policy schedule looks like when you request 90 days. And what all of the additional restrictions are?

I know it's a big ask but it's the one piece of insurance I need to get right. It's sad that Admiral can't easily explain any of this to me! They even said, "Don't worry, it's decided on a case-to-case basis and we record all calls"!!!

Sorry, I can’t help. But, wow! If they can’t service you as a prospective customer, how good are they likely to be at claim? I expect that part of the problem is that they don’t have much competition to bat away in that space. I think that most building insurers have a 30 day unoccupancy limit, fewer 60 days.

Good luck finding out. I hope that someone can help, even if it’s not the people selling the policy.

 

[Up10]

Admiral is one of the few companies allegedly offering 90-days extended holiday cover. I've looked at the Policy booklet and I understand it. When I create the quote I enter 90 days away from home. But I never see that number again.

Admiral claim to add this onto the policy schedule document but this document isn't produced until you buy the product. So I can't see the impact of it.

I spent 2 hours on the phone to them and at the end of the call the guy said he had wholly mis-lead me and the product wasn't suitable. A web chat with someone else suggests otherwise.

That web chat says they add some additional points for cover over 60 days:
- Caveats around leaving the heating on, pipes must be lagged
- Regular inspections
and a couple of others.

Has anyone taken out the policy who could publicly or privately tell me exactly what the policy schedule looks like when you request 90 days. And what all of the additional restrictions are?

I know it's a big ask but it's the one piece of insurance I need to get right. It's sad that Admiral can't easily explain any of this to me! They even said, "Don't worry, it's decided on a case-to-case basis and we record all calls"!!!

Alternatively, ask someone to come and stay in you house for a few days to reduce the unoccupied period to something manageable or quoted in your policy.

 

[CaliforniaCylus]

Alternatively, ask someone to come and stay in you house for a few days to reduce the unoccupied period to something manageable or quoted in your policy.

The terms are somewhat tighter now. This is typical this year:

This is now my Saga policy. I felt confident in the past that having daughter stay over every few weeks would be arguable and winnable. But not any more. They of course still don't define "frequently" or for example if I returned home half-way for a few nights... And the daughter visiting completes all the tasks in the first paragraph.



Quote:



When your home has not been, or will not be, lived in by you, or a person authorised by you, for more than 60 days in a row. By lived in, we mean activities, which must include bathing, cooking, eating and sleeping overnight, all of which are frequently carried out in your home.



Regular visits to the home, or occasional overnight stays would not count as a break in this period. If you are planning on being away for more than 60 days in a row, please let us know. Just to be clear, when we use the word ‘unoccupied’ under ‘What’s not covered’, we will apply this from the first day of when you plan to be away from your home.



If you are unable to be at your home due to unforeseen or unexpected circumstances, we will apply this from day 61. Certain parts of your cover will not be valid, even if the damage or loss you are claiming for takes place in the first 60 days while you are away

 

[Up10]

The terms are somewhat tighter now. This is typical this year:

This is now my Saga policy. I felt confident in the past that having daughter stay over every few weeks would be arguable and winnable. But not any more. They of course still don't define "frequently" or for example if I returned home half-way for a few nights... And the daughter visiting completes all the tasks in the first paragraph.



Quote:



When your home has not been, or will not be, lived in by you, or a person authorised by you, for more than 60 days in a row. By lived in, we mean activities, which must include bathing, cooking, eating and sleeping overnight, all of which are frequently carried out in your home.



Regular visits to the home, or occasional overnight stays would not count as a break in this period. If you are planning on being away for more than 60 days in a row, please let us know. Just to be clear, when we use the word ‘unoccupied’ under ‘What’s not covered’, we will apply this from the first day of when you plan to be away from your home.



If you are unable to be at your home due to unforeseen or unexpected circumstances, we will apply this from day 61. Certain parts of your cover will not be valid, even if the damage or loss you are claiming for takes place in the first 60 days while you are away

Interesting. How do you define lived in versus occasional overnight i wonder? It's all a bit tenuous isn't it!
I know when my son and family stay for a long weekend, they cook, bathe and do all of the things we normally do. And if I am really lucky, he may cut the lawn, although that isn't relavant this year!