Second Home Insurance

Open & Direct specialises in insurance customers who own a second property in the UK which isn’t their primary residence

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Second Home Insurance

  • Standard home insurance typically does not cover the unexpected risk scenarios that second property presents.
  • House insurance for your second home protects against unexpected risks such as fire, theft, and weather damage.
  • Open & Direct provides cover for your secondary residence with buildings and contents insurance cover available.
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Optional Extras

Family Legal Protection

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Home Emergency

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Family Legal Protection

If you need to make a legal claim, you and anyone living with you can receive up to £50,000 for advisers' costs for certain types of legal action relating to your home from personal injury to faulty workmanship.

Benefits include:

  • 24/7 advice helpline and dedicated online legal assistance portal offering legal templates, legal advice booking service and claims system
  • Cover up to £50,000 for any one claim.
  • Covers personal injury, property infringement, property damage, faulty goods and workmanship.
  • Covers you and any member of your family permanently living with you.
  • Covers loss of salary or wages for the time off work to attend any court or tribunal hearing when pursuing of defending legal proceedings.
  • Covers employment disputes and costs to pursue legal action.
  • For Main Homes only. Exclusions and Terms and Conditions apply.

Home Emergency

Home Emergency Insurance provides insurance up to £1,000 ) for certain claims (including VAT, call out charges, labour, parts and materials) to cover specific types of home emergencies.

Benefits include:  

  • Cover for heating system failure, roof damage, burst pipes, plumbing issues, property damage and loss of keys.
  • Overnight accommodation in the event your property becomes uninhabitable, up to £250.
  • 24/7 Emergency Assistance Helpline.
  • Up to 4 call outs per year.
  • For Main Homes only. Exclusions and Terms & Conditions apply.
Claims

Claims

Support for every step of the claims journey.

Call: 08000 327 327
Email: homeclaims@prestigeunderwriting.co.uk

Report a claim