Specialist property insurance
Insurance for Overseas Owners of UK Property
Cover for foreign nationals and expats who own UK second homes, lets, holiday lets and apartments.
About this cover
Owning UK property from abroad often falls outside standard policies, which usually expect a UK-resident owner and a UK correspondence address. We place cover with insurers who accept overseas and non-UK-resident owners — whether the property is a second home you use yourself, a residential let, a holiday let, a part-year holiday let or a city apartment.
Who it's for
- Foreign nationals who own one or more UK properties
- British expats letting or keeping a home in the UK
- Overseas investors with UK apartments or buy-to-lets
- Owners letting a UK second home part of the year
What can be covered
- Buildings and contents cover for non-UK-resident owners
- Second homes used occasionally by the owner and family
- Residential lets, holiday lets and mixed part-year letting
- Leasehold apartments where you insure only your own flat
- Property owner's and guest liability cover
- Extended unoccupancy periods while you are overseas
UK property insurance when you live overseas
This cover is for a property located in the UK whose owner lives abroad. It is not insurance for a home situated overseas. We consider British expats and foreign nationals with UK second homes, residential lets, holiday lets and apartments, subject to the individual risk and underwriting.
What to have ready for your quote
- Your country of residence and correspondence address, plus the UK property address.
- The legal owner: individual, joint owners, company, partnership, trust or pension scheme.
- Personal use, residential letting or holiday letting, and how often the property is empty.
- The UK managing agent or keyholder arrangements, construction, sums insured and previous losses.
This is a request for an adviser to assess your property, not confirmation of insurance. Cover, limits, excesses and conditions are confirmed in the insurer's terms.
Your questions answered
Can a non-UK resident request buildings insurance?
Yes. GMG approaches insurers who consider non-UK-resident and foreign-national owners of UK property. Acceptance is not automatic: country of residence, legal ownership, property use and the details of the building are part of the assessment.
Do I need a UK managing agent or keyholder?
Tell us who looks after the property, responds to emergencies and carries out inspections while you are abroad. The insurer may attach conditions to these arrangements. We do not apply a universal managing-agent requirement; the requirements of your proposed policy must be confirmed.
Can a UK home be used personally and let for part of the year?
Second homes, residential lets, holiday lets and mixed personal/holiday use can be considered. Give the full pattern of occupation rather than choosing only the most frequent use. Extended empty periods should also be disclosed for assessment.
What if I own a leasehold apartment?
Explain whether the building is insured through the freeholder or managing agent, and what you are responsible for insuring yourself. We can discuss contents and liability or buildings cover where appropriate, rather than assuming you need to insure the whole block.
What affects the price for an overseas owner?
Country of residence, UK property use, time occupied or empty, local management, construction, rebuild cost and postcode risk all help determine the quote. Guide prices on the quote page are indicative; insurer acceptance, the premium and applicable tax are confirmed after review.
Get a Insurance for Overseas Owners of UK Property quote
Tell us about your property and a specialist adviser will come back to you with options.
Start your quoteRelated cover
Residential Landlord Insurance
Buy-to-let cover that protects your property, your income and your liability as a landlord.
Holiday Let & AirBnB Insurance
Cover designed for short-term letting — holiday cottages, city apartments and AirBnB properties.
Unoccupied Property Insurance
Short-term and annual cover for empty properties — 3, 6 or 12 month terms available.