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Discussion topic: Sky protect home ins, how long can you be away from home and still be covered?

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This message was authored by cgs1 This message was authored by: cgs1

Sky protect home ins, how long can you be away from home and still be covered?

With Sky protect home ins, does anyone know how long you can be away from the property and still be insured? It's just that some home insurance states that a max of 30 days, 60 days or 90 days the house can be empty with no one there and can't find anything on this on the Sky protect insurance help.


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This message was authored by TimmyBGood This message was authored by: TimmyBGood Answer

Re: Sky protect home ins, how long can you be away from home and still be covered?

Posted by a Superuser, not a Sky employee. Find out more

@cgs1 

 

We cover sudden and unexpected loss of or physical damage to the buildings caused by events 1 to 13 (and 14 if accidental damage is shown as selected in your policy schedule).

 

We do not cover:


• events 3, 6, 8, 10, 11 or 14 when the home is unoccupied for more than 60 days in a row.


1. Fire, lightning, explosion or earthquake.
2. Riot.
3. Malicious damage, but not if caused by you or your family, tenants, lodgers or paying guests.
4. Animals, vehicles or aircraft and other flying objects (or anything falling from them) hitting the buildings.
5. Storm, including weight of snow, or flood, but not to fences, gates, hedges or railings unless covered under buildings ‘Extra cover 21’ (Garden cover).
6. Theft or attempted theft.

7. Subsidence or ground heave of the site that your buildings stand on, or landslip.

8. Escape of water from any fixed appliance, pipe, tank or fish tank plus damage to these items caused by freezing or forcible and violent bursting

9. Falling trees or branches, lampposts or telegraph poles.
10. Oil leaking from any fixed appliance, pipe or tank.
11. Accidental breakage of fixed glass, fixed sanitary ware or ceramic hobs in fixed kitchen furniture.
12. Breakage or collapse of satellite receiving equipment or television and radio aerials.
13. Accidental damage to cables and underground pipes serving your home for which you are legally responsible including the cost of breaking into and repairing the pipe between the main sewer and your home following a blocked pipe.
Optional additional cover
14. Accidental damage to the buildings.


 

* * * * * * *

Sky Glass 55" (on ethernet) & two Stream Pucks (one ethernet / one WiFi)
BT Halo 3+ Ultrafast FTTP (500Mbs), BT Smart Hub 2

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This message was authored by TimmyBGood This message was authored by: TimmyBGood

Re: Sky protect home ins, how long can you be away from home and still be covered?

Posted by a Superuser, not a Sky employee. Find out more

@cgs1 

 

No-one posting here can give definitive advice, but I'd observe that the full policy document appears to have significant exclusions " when the home is unoccupied for more than 60 days in a row  "

 

 

* * * * * * *

Sky Glass 55" (on ethernet) & two Stream Pucks (one ethernet / one WiFi)
BT Halo 3+ Ultrafast FTTP (500Mbs), BT Smart Hub 2
This message was authored by TimmyBGood This message was authored by: TimmyBGood Answer

Re: Sky protect home ins, how long can you be away from home and still be covered?

Posted by a Superuser, not a Sky employee. Find out more

@cgs1 

 

We cover sudden and unexpected loss of or physical damage to the buildings caused by events 1 to 13 (and 14 if accidental damage is shown as selected in your policy schedule).

 

We do not cover:


• events 3, 6, 8, 10, 11 or 14 when the home is unoccupied for more than 60 days in a row.


1. Fire, lightning, explosion or earthquake.
2. Riot.
3. Malicious damage, but not if caused by you or your family, tenants, lodgers or paying guests.
4. Animals, vehicles or aircraft and other flying objects (or anything falling from them) hitting the buildings.
5. Storm, including weight of snow, or flood, but not to fences, gates, hedges or railings unless covered under buildings ‘Extra cover 21’ (Garden cover).
6. Theft or attempted theft.

7. Subsidence or ground heave of the site that your buildings stand on, or landslip.

8. Escape of water from any fixed appliance, pipe, tank or fish tank plus damage to these items caused by freezing or forcible and violent bursting

9. Falling trees or branches, lampposts or telegraph poles.
10. Oil leaking from any fixed appliance, pipe or tank.
11. Accidental breakage of fixed glass, fixed sanitary ware or ceramic hobs in fixed kitchen furniture.
12. Breakage or collapse of satellite receiving equipment or television and radio aerials.
13. Accidental damage to cables and underground pipes serving your home for which you are legally responsible including the cost of breaking into and repairing the pipe between the main sewer and your home following a blocked pipe.
Optional additional cover
14. Accidental damage to the buildings.


 

* * * * * * *

Sky Glass 55" (on ethernet) & two Stream Pucks (one ethernet / one WiFi)
BT Halo 3+ Ultrafast FTTP (500Mbs), BT Smart Hub 2
cgs1
Topic Author
This message was authored by cgs1 This message was authored by: cgs1

Re: Sky protect home ins, how long can you be away from home and still be covered?

Hi

Many thanks for your help with this

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