We all know how keen insurance companies are to find a reason to refuse a claim. So I'd advise anyone anyone using holiday home insurance to be 100% certain they remain within their insurance company's definition of a holiday home, and maintain evidence that they meet all requirements such as utility bills showing consumption.If you or your relatives stay there for a week or two once a year is it not a holiday home?
Devil is in the detail. It will come down to the unoccupancy wording in the policy document and the interpretation. Dont forget its contra proferentum. But you'd want to be sure. Each insurer will differ. You could declare it and will probably cause issue just because someone in the insurers now decides it should be and makes it that way. But agan if you are strong enough on your argument on the wording of it.Interesting question.
My uncle is the sole owner of and was the sole occupant of his family home.
Due to a stroke he does not reside there so he lives in a nursing home for the present.
No issues of mental competence arise.
Several of his grandchildren are now in occupation of the house in a simultaneous and or a rotating fashion such that the house is virtually never unoccupied.
How does he stand from a household insurance perspective in terms of cover ?
Should he notify the insurers at renewal of the situation - i.e. is the situation a material fact to be declared ? I am beginning to suspect that it might.
P.S. No rent is being paid by the occupiers so they are not there as tenants.