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Fisher1

Insuring house for long absences

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Hi all

 

Just a question about long term visits to Australia.

 

Our UK house insurance doesnt permit absences of more than two months. Furthermore you are supposed to arrange for someone to pop in at least once a week and turn off gas and electric before you go (including central heating boiler).

 

So far two months has been (just) long enough, but we are considering taking some longer trips out. We would like to try crossing to China on the trans

Siberian express and on to Singapore to fly from there (have always fancied the TSE and it sounds interesting).

 

What do other people do about house insurance while they are away? Can anyone recommend a firm that will cover for longer? We dont give a monkeys about our posessions - the most valuable thing in our house is our passports, but we would be a bit concerned if the house burned down or something and the insurance didnt cover it...


103 visa application lodged February 2013. 143 visa application submitted January 2016. Police checks and form 80 submitted February 29th 2016. Visa granted April 4th 2016.

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You need to get empty house insurance, I have had some in the past which I have organised through Adrian Flux who are a specialist broker. Even an empty house policy would require that somebody pop in at least every 30 days though, which we intended to tell small white lies about if necessary. :wink:

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Thanks Rupert - I had empty house insurance here for awhile before we moved into this house, but they wanted someone in once a week and it was extortionately expensive - were you covering a house in oz or in UK? We are seriously thinking about moving into a flat to facilitate our travels!


103 visa application lodged February 2013. 143 visa application submitted January 2016. Police checks and form 80 submitted February 29th 2016. Visa granted April 4th 2016.

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Not sure about the UK but in Aus you can't have an empty home for longer than 90 consecutive days if you are overseas and 180 days if interstate.

 

It will probably be more cost effective for you to have someone pop in every now and then even if its the neighbour (depending on your relationship with them) then purchasing an vacant home policy as the excess will be very high also.

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