Insuring holiday homes, both home and away 17 April 2012 Chris Hogan Right http://www.cetamail.co.uk/files/holiday-home-lrg.jpg You might be surprised at the number of clients you have who are holiday home owners. Many of them may have become 'accidental' letters -- holiday home letting agencies have seen significant surges of activity over the past two years as people who couldn't sell their properties looked to raise income by letting them out. Having the right insurance policy is vital to protect a holiday home and its contents, so CETA have partnered with Towergate Underwriting to offer complete holiday home cover. Towergate - the specialists Towergate Underwriting Holiday Homes has been a specialist provider of holiday home and second home insurance for more than 20 years, protecting properties both in the UK and overseas. The policies are tailored to the special requirements of holiday home owners, giving your clients the peace of mind that comes from knowing their home is protected when left unoccupied or used as a holiday let. The policy will cover: UK & Overseas Holiday Homes Overseas Static Caravans &Mobile Homes Short Term holiday lets Non standard construction properties Properties in the UK, Spain, France, Portugal, Italy, Greece, Southern Cyprus, Republic of Ireland and Bulgaria Individual flats Tenants fixtures and fittings Expatriates permanently residing in Spain, Portugal, France and Southern Cyprus Real help with overseas emergencies But although it's good to know that a property and contents are covered in case of emergency, what about help dealing with those emergencies? It's desperately important to be able to deal with the problems that arise, particularly abroad, so every overseas Towergate policy comes with Overseas Assist. This impressive product, a sort of RAC rescue for holiday homes abroad, offers two key services for holiday home owners. First there's a helpline to get a local tradesman out to any problems at the property. Then there's "Pass the Phone", a phone-based translation service for talking to emergency services, utility companies, local tradesmen, virtually anyone who the home owner needs to deal with. Phone calls abroad made easier This is a real benefit to those who don't know the language particularly well and even for those who do, it is much harder to communicate over the phone than face-to-face. In any case nine out of ten owners of homes abroad admit they would not know who to call in an emergency, so the value of this proposition is huge. For directly authorised members the commission on this product is 20%. Network members - please refer to your network agreement.