FAQs

• Q: How is the sum for my holiday home insurance policy calculated?
  A: Holiday homes should be insured at a level which represents the full rebuilding cost including removal of debris and professional fees. Check www.scsi.ie for a guideline as to how holiday home insurance premiums are calculated.
• Q: Are there any items excluded under content cover in holiday home insurance policies?
  A: Significant exclusions under contents cover on OBF holiday home insurance policies include motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories, any living creature or any property insured under any other insurance.
• Q: My holiday home will be unoccupied for a sustained period of time, do I need to notify my holiday home insurer?
  A: Unless otherwise advised and agreed, if after the start of your holiday home insurance policy, you regularly leave the premises unattended by day or by night or leave the home without an occupant for more than 40 consecutive days, you must tell your broker or OBF Insurance Group Ltd. immediately.
• Q: I did not drain down my water system between 1st of November and the 31st March and I have had a burst pipe which caused a flood in my holiday home. Am I covered?
  A: You may not be covered. Insurers endorse a holiday home insurance policy stating that certain precautions must be taken during this period to minimise loss. Check with your holiday home insurer about any policy requirements regarding draining your water system.
• Q: I forgot to turn on my alarm and my holiday home has been burgled. Am I covered?
  A: If an alarm discount has been allowed in your holiday home insurance policy, you may not be covered. You should check with your holiday home insurers.