Cover is provided for residential homes used either for private holiday/second home use or let on a short term basis.
The policy can provide cover for both buildings and contents and automatically includes Legal Expenses cover.
Our approach is to provide flexible underwriting for all holiday home risks, from a “clean” risk to one requiring specialist underwriting due to its non-standard nature.
- “Clean” and “non-standard” risks
- Properties used for own use or friends/family
- Short term holiday letting
- Portfolios
- Risks up to £10,000,000 total sum insured
Cover provided for
- Buildings
- Contents
- Accidents to Domestic Employee(s)
- Legal Liability to the Public
- Legal Expenses
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Policy Documents
View and download the Unoccupied product summary, policy summary and policy wording here
Here at Plum we’re committed to supporting UK brokers. To helping you win and retain profitable business. Retreat is an important part of our delivering on that commitment.
Like all our specialist home insurance products Retreat is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Retreat, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.
Why Retreat?
A Quote & Buy solution for holiday homes in the UK.
Five good reasons to choose Retreat:
Service – Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.
Cover – Retreat is a Lloyd’s of London approved home insurance policy with several cover enhancements. You can choose Retreat for your clients with confidence.
Flexibility – Our experienced underwriters are able to offer terms on a whole range of non standard risks that other insurers are unable to help with.
Security – Underwriting capacity for Retreat is provided by Lloyd’s of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor’s respectively.
Expertise – Plum has been providing specialist home insurance products to UK brokers for over a decade. Retreat is further evidence of our strong commitment to backing brokers.
Main features of cover
Cover is provided on a “standard perils” basis, on a policy wording based on the Lloyd’s of London approved home insurance policy.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
Buildings
| Cover | Limit (£) |
|---|---|
| Accidental Damage to Fixtures & Fittings | Automatically included |
| Loss of Rent / Alternative Accommodation | 25% of buildings / 24 months |
| Trace and access | Up to 5,000 |
| Replacement locks | Up to 5,000 |
| Theft/attempted theft by guests/tenants | Up to 10,000 |
Contents
| Cover | Limit (£) |
|---|---|
| Accidental Damage to electronic equipment | Automatically included |
| Guests & visitors personal effects | Up to 1,000 |
| Loss of metered water/oil | Up to 2,500 |
| Contents in common parts | Up to 1,000 |
| Replacement locks | Up to 5,000 |
| Freezer cover | Up to 500 |
Legal Expenses
| Cover | Limit (£) |
|---|---|
| Legal Expenses | Automatically included up to 100,000 |
Liability
| Cover | Limit (£/€) |
|---|---|
| Accidents to Domestic Staff | 10,000,000 |
| Legal Liability to the Public | 5,000,000 |
Claims
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
Feedback
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here.