Holiday home insurance

We've partnered with Pikl to help you find holiday home insurance that suits your needs.

  • Comprehensive guest cover including theft, malicious damage, and £5 million public liability

  • Get cover for personal use of your holiday home or dedicated holiday let insurance for renting out your property to guests

  • Shop around for the best deal from a select panel of specialist insurers

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What is holiday home insurance?

Holiday home insurance is designed for properties that aren’t your main residence and may be empty for longer periods. It helps protect against risks like burst pipes, break-ins and, if you let the property, issues caused by guests. A dedicated policy ensures your holiday home is covered whether you use it yourself, rent it out, or both.

What type of holiday home insurance do I need?

The kind of holiday home insurance you need depends on how you’re using the property:

It's unoccupied:

Most standard home insurance policies restrict the amount of time you can leave a house unoccupied. Some insurers limit this to 30 days and others to 60 days. Any longer than this and you’ll need a specialised provider. That’s where our partner Pikl can help get the cover you need.

It’s a rental property:

If you're renting your second property out long-term, then you're likely to want landlord or letting insurance. This policy is designed to cover you for specific risks you face as a landlord. Examples include cover for lost rental income or for damage caused by your tenants.

It’s a holiday home in the UK:

If you let out your second home as a holiday home, second home insurance or holiday let insurance may be the best option. This covers you for having other people stay in your property and also includes public liability insurance.

Who is Pikl, and what do they cover?

Pikl specialises in second home insurance, holiday home, and Airbnb insurance comparing offers from top UK insurers in the industry. This means you get all the benefits of comparing holiday let and second home insurance, but only need to deal with a single team.

Pikl is based in the UK and they're rated 'Excellent' on Trustpilot.

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How much does holiday home insurance cost?

Prices vary by property and the cover you choose, so the best way to find out is to get a quote. A few factors can influence what you pay - including location, rebuild cost and whether you let the property to guests.

Do I need public liability insurance for a holiday let?

If your holiday home is in Scotland, you need to apply for a licence if you rent your property out to paying guests. As part of this, getting public liability cover is a legal requirement and the amount you need may vary according to your local authority. This isn't currently a requirement in the rest of the UK, but legislation could follow Scotland’s example. To be on the safe side, any holiday home owners that let guests should consider public liability cover.

Explore public liability insurance

Tips to save money

  • Know what cover you need - list key features and compare quotes like for like.

  • Choose the right policy for how you use the property - personal use, holiday let, or a mix.

  • Provide an accurate rebuild cost to avoid being underinsured (use a calculator or surveyor if needed).

  • Share any safety features such as alarms or detectors, as these may affect your premium.

  • Review your policy carefully before accepting and ask questions if anything is unclear.

  • Check local requirements to ensure your cover meets any legal or contractual rules.

What our home insurance expert says

"Holiday homes face different risks - from long empty periods to guests staying in the property. That’s why it’s important to choose cover that matches how you use your home, whether you visit often, only occasionally, or rent it out as a holiday let. With the right insurance in place, you can feel confident your property is protected."

Matthew Harwood, Home & lifestyle insurance expert at Confused.com
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Confused.com holiday home insurance is arranged and administered by Pikl Ltd who are authorised and regulated by the Financial Conduct Authority No: 773457. Registered in England and Wales under company number 10449346 with registered office Suite B, 2nd Floor, The Atrium, St. Georges Street, Norwich, England, NR3 1AB. Confused.com is an intermediary and receives commission, which is a flat rate fee from Pikl if you decide to buy through their website.

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