I am sure most of us know this, provided you have advised and spoken with your insurer and complied with the policy conditions, your policy would not necessirily be voided if you are away in excess of 90 Days  (check your wording as some companies are 60 days). Each company has different conditions. What ever they tell you, get them to confirm in writing - that could be the difference between a claim accepted or denied. Insurance companies are in business to make money, and they will scrutinize a claim and deny it if conditions are not met.

Some companies impose an additional premium and some just increase the excess for certain events, ie break and enter or malicious damage, it may just be a case of having  friends or family stay at your home for a couple of days each month or a house sitter,.   Make sure your mail, papers, etc are collected and put your lights on an auto Switch so  the property does not appear to be unoccupied, and make sure the grounds are kept tidy.

yes, I do have a background in the insurance industry, so, make sure you speak with your insurer, as someone has already said, each company has different conditions. the best advice is to get them to confirm what they tell you in writing! 

Cheers

-- Edited by chaslib on Tuesday 30th of April 2013 06:48:53 PM

When we go away on our extended winter break, usually over 90 days, we have to advise our insurer (NRMA), and also have to pay a small premium.