Second Home Insurance UK: Why Your Standard Policy Isn’t...
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Personal insurance that fits your life, not a template
Most insurance websites ask you twenty questions and spit out a price. They don’t ask about the age of your roof. They don’t know that your second home sits empty five months a year. And they don’t care that your contents are worth more than average because you’ve spent years collecting things that matter to you.
Policy Path works differently. You tell us what you need, and we pass your details to a specialist broker for your situation. That means you’re not scrolling through a list of generic results. The broker matches you with cover that actually fits, from insurers who understand your type of risk.
What personal insurance do you need?
Home Insurance (Buildings and Contents)
Cover for your home, its structure, and everything inside it. We connect you with a broker who works with insurers that account…
Holiday Home Insurance
Second homes and holiday properties need specialist cover. Your cottage might sit empty for months. You might let it through Airbnb. It…
High Value Home Insurance
If your property has higher rebuild costs, or you’ve got valuable contents like fine art, antiques, or jewellery, standard policies cap out…
Landlords Insurance (Residential Let)
Cover for properties you let to tenants. That means buildings, contents, liability, rent guarantee, and legal expenses. Tell us about your portfolio,…
Motor Insurance
Car, van, and motorbike insurance from specialist providers. We’ll find cover that reflects your driving history, your vehicle, and how you actually…
Travel Insurance
Single trip or annual multi-trip. Medical expenses, cancellation, baggage, and personal liability. We also connect you with insurers who cover pre-existing medical…
Caravan and Motorhome Insurance
Touring caravans, static caravans, motorhomes, and campervans. Covers accidental damage, theft, storm damage, public liability, and contents. Whether yours lives on a…
Boat and Marine Insurance
Hull, machinery, trailer, and marine liability for boats, yachts, and personal watercraft. If you’re on the water, you need cover from insurers…
Tell Us What You Need
Describe your situation, and we’ll pass you to the right specialist broker. It takes minutes, it’s free, and there’s no obligation.
Why use Policy Path?
Generic insurance websites work on averages. They’re designed for average houses with average contents in average locations. But not everyone is average. And if your situation is even slightly unusual, those websites tend to fall short.
A thatched cottage in Suffolk has nothing in common with a new-build in Milton Keynes when it comes to insurance. A holiday home on the Welsh coast is a completely different proposition to a flat in Birmingham. And a boat moored in Devon needs a different cover than a car parked in a garage. Generic policies miss these differences. We don’t.
- Specialist connections. We connect you with a broker who places cover in specialist markets most people wouldn’t find on their own.
- Cover that fits. The broker you’re introduced to focuses on what’s actually covered and excluded, not just the headline price. The cheapest policy is rarely the best one.
- Clear information. The broker explains what each type of cover does, what it doesn’t do, and what you actually need. No jargon, no hard sell.
- Ongoing support. Once you’re matched, the broker is your point of contact if something goes wrong, not a call centre you’re navigating alone.
Do you have non-standard insurance needs?
Standard insurance websites handle standard risks well enough. Where they fall short is anything that doesn’t fit neatly into their forms. These are the areas where we add the most value, because we know which specialist brokers to connect you with.
Older and listed properties
Period homes, listed buildings, thatched roofs, stone construction, properties without a damp-proof course. These need a specialist broker who understands non-standard construction and can price rebuild costs accurately. We’ll pass your details to one.
High value contents
Art, antiques, jewellery, collectables, wine. Standard content limits cap out quickly. High-value policies provide adequate cover and often include agreed value, so there’s no argument about what something is worth at claim time.
Coastal and flood-risk properties
Some insurers refuse to quote. Others load premiums beyond reason. We work with a specialist broker who assesses coastal and flood risk fairly and can place cover at realistic prices. Tell us about your property, and we’ll pass you to them.
FAQs
You tell us what you need covered, and we pass your details to a specialist broker. We don’t sell policies directly, and we don’t arrange cover ourselves. The broker matches your situation with insurers who understand your type of risk, so you get cover that actually fits. It’s free to use and there’s no obligation.
Yes. Flood-risk properties are insurable. Some national insurers won’t quote or will charge unreasonable premiums, but specialist brokers understand flood risk and can place cover fairly. We’ll connect you with one.
You do. A standard home policy assumes you live there full time. If it sits empty for more than 30 days, most policies restrict or void cover entirely. Your holiday home needs its own specialist policy, and we can match you with the right insurer for it.
You do. A standard home policy assumes you live there full time. If it sits empty for more than 30 days, most policies restrict or void cover entirely. Your holiday home needs its own specialist policy, and we can pass you to a broker who places the right cover for it.
No. It’s completely free to use. You tell us what you need, we pass your details to a specialist broker, and there’s no charge for the service. The broker pays us a referral fee for the introduction, so it costs you nothing.
Contact Us
Describe your situation, and we’ll match you with the right specialist insurer. It takes minutes, it’s free, and there’s no obligation.
Phone
+44 7761 733024