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Second Home and Holiday Home Insurance

Holiday homes require specialist insurance because they are generally left unoccupied for longer periods putting them at greater risk of damage or theft. Other factors also come into play, they may be of non-standard construction, such as a thatched cottage, or could even be in a location that carries greater risk of flooding. There may be substantial outbuildings or a swimming pool to think about, plus holiday homes are often rented out for some of the time, which is another important consideration in terms of the getting the right insurance.

At Flint we work with you to understand your needs, we want your holiday getaway to be just that – somewhere that you can fully relax in the knowledge that your second home is properly covered. Your insurance is tailored to you, we look at your circumstances and then make recommendations for the right cover. Flint will always try to find multiple insurers to compare terms in order to get you the best deal.

Depending on your situation your holiday home could form part of your high value home insurance and would be insured as part of your property portfolio. Alternatively it can be covered separately, as required.

There is also a difference between holiday home and second home, usually dependent on how you use each property. Speak to your Flint account handler who will help you decide on the right policy for your needs.


Your policy could cover all or some of the following:

  • Buildings insurance
  • Accidental damage
  • Home emergency
  • Personal possessions taken out of the home
  • Own use, family and friends or rented out
  • UK and overseas

Considerations for rental

  • Public Liability
  • Alternative accommodation
  • Loss of income
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Fewer claims means reduced premiums

Good risk and claims management is essential, especially for policy cover where you could face multiple perils. Running a compliant business, together with risk mitigation are extremely important to control claims and the cost of insurance.

As a specialist broker we are experts in Risk Management, which means our highly trained staff can provide genuine advice on a wide range of initiatives designed to help you reduce your claims.

When Accidents Happen

At Flint Insurance, we are experts in advising our clients on how to avoid claims and when they do occur ensuring that the financial and non-financial impacts to the business are kept to an absolute minimum.

Enhanced claims management from Flint gives you the peace of mind that your business is supported by commercial claims experts. We work hard to ensure that any loss has as little impact on your business as possible.

Need to claim?

Speak to our claims team

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Why choose us?

Flint Insurance is an independent insurance broker who works with a panel of quality insurers to provide the best possible insurance policies for our clients. There’s no huge call centre – with Flint you deal with the person who is handling your risk. We only take your details to get you fantastic rates from quality insurers.

Whether you’re a sole trader or large corporation Flint seeks to understand your business and make recommendations for cover. Experts in our field, we work with trusted insurers to compare the market for great cover at the best rate.

Request a callback

    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 021 4501 and one of our team will be more than happy to help.

    Make a claim