Most chalet owners like to keep a close eye on the running cost for their holiday chalet to ensure that they do not get out of control. If you are subletting your chalet then it’s important to keep all your costs (including the chalet insurance) under control to maximise any profits made.
The cost to insure your holiday chalet is unlikely to be a substantial part of the running costs but it is still wise to do what you can to reduce the costs. These tips will hopefully help you to keep you chalet insurance costs as low as possible.
- Shopping around for chalet insurers with a number of providers will help to ensure that you pay a competitive premium. Every insurer considers different factors when calculating the premium so getting a few quotes is always wise. Our holiday chalet insurance form allows you to compare quotes and the form is pretty short and will take less than a minute to complete so is a good place to start.
- If you have expensive items such as electronic gadgets and valuables can make a big difference to your premium as leaving these items in a property that’s unoccupied for a period of time will increase the risk of theft etc.
- Taking a higher excess can help to reduce your premium. Although you should only choose an excess that you are comfortable with.
- If you have not yet bought your holiday chalet try and ensure that the site is not in a high risk area. For example a chalet located at the top of a cliff, next to a river or on a location that is prone to flooding will make a big difference to your premiums.
- Getting a professional monitored alarm may also help to reduce the premium although you will have to factor the installation cost and monitoring costs for the alarm.