A free and open forum for and by Calabria property owners.
View unanswered posts | View active topics Register | Login

All times are UTC [ DST ]




Post new topic Reply to topic  [ 26 posts ] 
Author Message
PostPosted: August 7th, 2008, 4:09 pm 
Offline

Joined: May 1st, 2008, 11:15 am
Posts: 490
Is it best to take out an insurance for your Italian property in the Uk or in Italy. Should it include earthquake cover?


Top
 Profile  
Reply with quote  
PostPosted: August 7th, 2008, 6:40 pm 
Offline
User avatar

Joined: January 25th, 2008, 8:35 pm
Posts: 1482
Location: Herefordshire/Badolato
we have insured for earthquake, the Italians dont as a general rule as the govt will pay some compensation but when and how much is another story.


Top
 Profile  
Reply with quote  
PostPosted: August 7th, 2008, 6:41 pm 
Offline
User avatar

Joined: March 31st, 2008, 6:21 pm
Posts: 207
Location: West Sussex
We used a UK specialist company

Intasure
Pheonix House
11 Wellesley Rd
Croydon
CRD 2NW
Tel 0208 274 6757
http://www.intasure.com

They seemed competitively priced £157 for 2 bed house and offered a comprehensive policy.

All the best

Chris & Jan


Top
 Profile  
Reply with quote  
PostPosted: August 7th, 2008, 7:45 pm 
Offline

Joined: May 1st, 2008, 11:15 am
Posts: 490
Chris&Jan

Do you have legal expenses included in your policy?

Lorica


Top
 Profile  
Reply with quote  
PostPosted: December 21st, 2012, 2:15 pm 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
My experience is that while you can get insurance for Italian properties in UK, very few will offer earthquake cover as well.
Intasure was the only company that I found that would give cover at a reasonable price when I researched this a few years ago.
Maybe the American perception is different to us in UK!
davidnam


Top
 Profile  
Reply with quote  
PostPosted: February 9th, 2013, 9:33 pm 
Offline

Joined: March 15th, 2008, 7:12 pm
Posts: 37
I have used Intasure for many years to insure our small apartment in Calabria.

Unlike my insurance in the UK, I never bother to change it or look for a cheaper alternative but think I should as between Feb 2010 and Feb 2013 the cost of cover has increased by over 90%!!!!!

Does anyone know of any other companies that provide holiday home insurance?

Thanks
Phil.


Top
 Profile  
Reply with quote  
PostPosted: February 10th, 2013, 1:22 pm 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
I believe that because of the earthquakes they have had in Italy in recent years premiums will increase, but a 90% increase over 3 years in the premium is really excessive.
Apart from the earthquake insurance I take out with Intasure, the Public Liability cover is important as I rent out the apartment in the summer.
My premiums have been increasing every year since 2009 although I cannot find my previous years policies. I paid £221.68 in April last year it will be interesting to see what I will be quoted this year.
davidnam


Top
 Profile  
Reply with quote  
PostPosted: February 10th, 2013, 8:45 pm 
Offline

Joined: May 8th, 2007, 8:50 pm
Posts: 230
Location: Hampshire & Zambrone
I would check your policy again as in previous years we have been covered for earthquakes, but when I had cause to review the small print on our Intasure policy I found earthquake cover had been omitted, without advising us. So not only have we had our premiums increased by 90%, but the cover has been reduced.

Any suggestions on alternative cover would be appreciated.


Top
 Profile  
Reply with quote  
PostPosted: February 11th, 2013, 1:25 pm 
Offline

Joined: June 5th, 2007, 4:36 pm
Posts: 1105
Location: Italy
Italsure is another English language insurer.


Top
 Profile  
Reply with quote  
PostPosted: February 11th, 2013, 6:38 pm 
Offline

Joined: August 5th, 2012, 12:56 pm
Posts: 18
Hi All, same here, we were not covered for earthquake with Intasure. Also their excess increased substantially. We searched the internet, made several phone calls to brokers, and very few will actually cover for earthquake. We found one- Underwood Insurance Services, based in South Wales, and the insurance company is TL Risk Solutions. Underwoods were very helpful and efficient with our queries. The premium was slightly higher than Intasure, and you do have to give a re-build cost (which was a bit of a guess), but we felt it important to have earthquake insurance. Fortunately, we have not had to make a claim, so cannot comment on that side of it, and how good they will be then!


Top
 Profile  
Reply with quote  
PostPosted: February 11th, 2013, 6:56 pm 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
Hi Tuffareo,
Just called Intasure and I do have earthquake cover in my policy.
Looking at my "Policy Schedule" and under "Endorsements applicable excluding cover" I have the code HH950 which means subsidence is not covered.
If the code is HH910 this would mean earthquake cover is excluded.
You can see the various endorsement codes in the Intasures "Policy Wording" document.
Will check out Intalsure when my renewal is due to see if it has the adequate cover and competitively priced.
davidnam


Top
 Profile  
Reply with quote  
PostPosted: April 10th, 2013, 10:29 am 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
Hi Everyone,
As promised an update on my buildings and contents insurance.
I have just received my Intasure renewal by email for my 2 bed 1st flloor apartment just above Santa Maria di Ricadi, Capo Vaticano.
I telephoned them to check and earthquake cover is included.
Last year I paid £221.68, this year it is down slightly to £216.19. I pay monthly by DD at no extra charge.
I have the maximum no claims discount (after 3 years) included, presumably I had that last year as this is the 5th year I will have had a policy with them.
davidnam


Top
 Profile  
Reply with quote  
PostPosted: August 12th, 2016, 10:04 pm 
Offline

Joined: August 11th, 2016, 1:06 pm
Posts: 12
I had a friend tell me the other day that money in rent from property is not counted in your ceiling for under 65 social security. I am not ready for ssi yet but coming up fast. Does anyone know the answer to this??


Top
 Profile  
Reply with quote  
PostPosted: August 18th, 2016, 10:01 pm 
Offline

Joined: April 10th, 2016, 4:59 pm
Posts: 39
:) House insurance €139. Agent in Catanzaro. No earthquake or theft.


Top
 Profile  
Reply with quote  
PostPosted: August 24th, 2016, 10:07 pm 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
Insured my 2 bed apartment with Intasure UK with contents (including theft), third party liability, emergency travel expeses (subject to agreement) buildings including earthquake cover in May for £217.92.


Top
 Profile  
Reply with quote  
PostPosted: August 25th, 2016, 6:27 pm 
Offline
User avatar

Joined: January 20th, 2008, 1:32 pm
Posts: 439
We're also Intasure - chosen particularly for earthquake cover.


Top
 Profile  
Reply with quote  
PostPosted: August 25th, 2016, 10:01 pm 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
Intasure were the only company I could find in UK that also included earthquake cover for Italy.
In the light of recent events it's worth paying that bit extra for peace of mind.


Top
 Profile  
Reply with quote  
PostPosted: August 15th, 2017, 12:34 pm 
Offline
User avatar

Joined: December 2nd, 2009, 3:16 pm
Posts: 453
Location: N Ireland
From the above I can see that many of you use Intasure so I thought I would share my recent experience with them. We do not know how good an insurance company is until we have to make a claim. I had a recent theft at my property in Spain but Intasure will not cover it because there was no sign of forced entry. I have insured 2 properties with them for over 6 years each in Spain and Italy with no claims but they do not reward loyalty. Their policy says:
"We will not pay for
7 (a) Loss or damage occurring whilst the Home or Holiday Home or any part is vacant, lent or let unless involving forcible and violent entry to or exit from the Home or Holiday home.
(c) Loss or damage by You or Your family or any tenant/ guest"

(c) is completely ridiculous that loss/damage by the only folk that would be legitimately using the apartment would not be covered. Something to bear in mind for those of us who rent out our apartments. I plan to insure through another company so all suggestions welcome.


Top
 Profile  
Reply with quote  
PostPosted: August 15th, 2017, 1:07 pm 
Offline

Joined: May 1st, 2008, 11:15 am
Posts: 490
Evie

Sorry to hear you've had to make a claim. How did the burgelers get in?

Lorica


Top
 Profile  
Reply with quote  
PostPosted: August 15th, 2017, 2:27 pm 
Offline
User avatar

Joined: December 2nd, 2009, 3:16 pm
Posts: 453
Location: N Ireland
I have no proof but I think it was my previous rental clients (Dutch) as the items they stole included bedding, towels etc. This would explain why no forced entry. However what use is an insurance policy that does not cover loss/damage by the owner, the owner's family or tenants/guests!


Top
 Profile  
Reply with quote  
PostPosted: August 15th, 2017, 9:30 pm 
Offline

Joined: May 1st, 2008, 11:15 am
Posts: 490
Evie
Would it be worth claiming as there is a £250 excess??

Lorica


Top
 Profile  
Reply with quote  
PostPosted: August 15th, 2017, 9:46 pm 
Offline
User avatar

Joined: December 2nd, 2009, 3:16 pm
Posts: 453
Location: N Ireland
Lorica, yes the theft amounted to 1000 euros approx.


Top
 Profile  
Reply with quote  
PostPosted: August 16th, 2017, 9:52 am 
Offline
User avatar

Joined: June 25th, 2008, 6:39 pm
Posts: 1166
Location: Carmarthen, south west Wales / Santa Maria di Ricadi, Capo Vaticano
Evie,
Sorry to hear of your losses in your Spanish property.
All of us who rent out our properties have to contend with this possibility and hope that the renters are honest.
Despite having a property manager who retrieves the keys when renters leave and does a check of the property for damage or losses they can only do a cursory look and not a full inventory check. If a renter is determined to steal from you they could it without much difficulty. The only fall back I have is the refundable €100 security / damage deposit I receive from the renters when they first book.
You may find that other insurance companies will have the same conditions regarding a forced entry as well as having to report it to the Police to obtain a Crime number.
If you do find another company that also gives you the cover you are looking for do let us know particularly if it has earthquake cover which we require in Italy.


Top
 Profile  
Reply with quote  
PostPosted: August 16th, 2017, 6:25 pm 
Offline

Joined: August 31st, 2016, 7:10 pm
Posts: 52
I am also with Intasure. Attempted to claim for storm to damage to a roof in Lorica. I'm not resident and could only estimate the date when the damage may have occurred (winter months). Intasure checked weather forecast for a few days, claimed there was no wind, and threw out the claim, 950 euros. I will not be re-insuring with them if I can find an alternative.

For Spain I will be looking for cover with another firm when the renewal falls due.


Last edited by mimosas on August 16th, 2017, 6:38 pm, edited 1 time in total.

Top
 Profile  
Reply with quote  
PostPosted: August 16th, 2017, 6:28 pm 
Offline

Joined: August 31st, 2016, 7:10 pm
Posts: 52
Funny about the Dutch, the only people I have ever taken to court to pursue monetary claims was Denis Onstenk in Calabria and another guy called Goosen in Spain - both dutch and I won both cases.


Top
 Profile  
Reply with quote  
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 26 posts ] 

All times are UTC [ DST ]


Who is online

Users browsing this forum: No registered users and 2 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
cron
Powered by phpBB® Forum Software © phpBB Group