Riviera del Sol, Costa del Sol, Spain

Welcome to this unique link to quality insurance for your holiday home or permanent residence abroad.

Whether buying ‘off plan’ or an established property abroad it is an exciting experience and it is easy to say ‘yes’ when offered insurance by your property agent or lawyer at the time of the purchase. The cover however may not be suitable or arranged correctly and the policy may well be in a foreign language…not helpful when making a claim!

Your overseas home is a major investment, and for much of the year it is rented out or left unoccupied. It is situated hundreds, even thousands of miles away and when things go wrong you need to be able to resolve matters with someone who understands your problems and special requirements.

The risks associated with overseas property are quite different to those of your main UK residence. There is a real need for an insurance policy written in plain English, paying particular attention to the special requirements for holiday and second homes whilst providing the widest possible scope of cover.

James Hampden Insurance Brokers Ltd have arranged with Hiscox to offer you cover for your holiday home or permanent residence that is designed precisely to meet this need.

James Hampden has chosen Hiscox because they are no 'ordinary' insurance company. Their policies are market leading with no restrictive policy conditions, hassle free administration and their first class claims handling with a 'speed of settlement' guarantee. Although based in the UK, policies can be issued in either Euro or Sterling.

Some of the main features include:

Permanent Residence in Spain

Wide all risks cover for buildings, contents, fine art, antiques (minimum £75,000) and jewellery including repairing or replacing damaged items on a new-for-old basis (even clothes)
Theft cover that remains in force even when your property is left unoccupied.
Option to cover your jewellery, baggage, and personal possessions anywhere in the world
Specialist cover for antique collections, fine art and jewellery - including depreciation of value as well as restoration of damaged antiques or artworks
Buildings cover automatically includes structures such as murals, swimming pools, tennis courts, outbuildings or perimeter walls
Cover for fixtures and fittings attached to the building, where the main structure is insured by the 'Community'
Public liability and employers liability cover included

Holiday Home in Spain

Wide cover for buildings and contents, including accidental damage
Automatic cover for outbuildings and permanent structures up to £15,000
Cover for fixtures and fittings attached to the building, where the main structure is insured by the 'Community'
Cover for gold, silver and gold and silver-plated items up to £1,000
Public liability and employers liability cover included
Option to pay for policies by interest-free Direct Debit for all UK based customers (for all policies issued in Sterling);
Ability to insure additional overseas homes saving you administration time and costs.

Frequently Asked Questions ...

Insuring your overseas property can be a little daunting when faced with local regulations, taxation and market practice which can differ greatly from the UK. James Hampden Insurance Brokers and Hiscox have the expertise to ensure your property is properly covered. Click the FAQ logo for a few of the most often raised questions, with answers.

Home in the UK?

All the benefits of Hiscox available in the UK too.
Ability to insure overseas homes on one single policy saving you administration time and costs.

How to proceed
Simply send us an email providing details of your property and a contact phone number and we will get back to you asap.
Alternatively ring our UK team on 01332 693200
We'll do the rest.

Please insert a brief description of your insurance requirements…we will be in touch!

Send an email

James Hampden Insurance Brokers Ltd is an independent intermediary, authorised and regulated to arrange general insurance in the UK ,and in any EU state, by the Financial Services Authority (FSA) under reference number 306597.
The address from where we will conduct business with you is Bezant House, 3 Bradgate Park View, Chellaston, Derby, DE73 5UH
The above facts can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.
All of our business dealings with you will be based on our standard ‘Terms of Business’ a copy of which is available via this web page.

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