PhilipH
regular
Reged: 30/03/2005
Posts: 563
Loc: Northern Ireland
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House is up for sale but market a bollix. Still plenty of time before departure next year but thinking about fall back positions. First is to rent it out, second is to find a house sitter, third is to make some arrangement with friends/daughters but insurance policy says serious reduction in cover if house unoccupied for more than 60 days - any ideas/helpful insurance out there?
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BrendanS
regular
Reged: 11/06/2002
Posts: 38161
Loc: Me: Wilts. Boat: Lymington
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I can remember the 60 day issue being discussed in depth on ybw a few years ago. The consensus was that a relation/friend/helpful person, came and lived in the house for a weekend within each 60 day period, and made sure the stay was documented so you can prove it later if necessary.
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and as everyone else is doing it
www.plaintalkconsulting.co.uk
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BlueChip
regular
Reged: 24/08/2004
Posts: 1556
Loc: Bucks/Gosport
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When Mother in Law's house was empty and up for sale for over a year, the insurance company were happy that the place was visited and checked once a week. We just paid a friendly neighbour to keep an eye open, visit weekly and fill in a log book when they visited. Their terms probably depends on the postcode.
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Cumquat
regular
Reged: 16/05/2008
Posts: 14
Loc: Essex, UK
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Hi ya, just a quick mention, if you still have a mortgage your current bank may not allow you to continue your current mortgage if your gonna let/rent it out. I just looked into that with my bank (First Direct) and they told me i would have to change my mortgage.
Mick
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PlanB
regular
Reged: 05/09/2004
Posts: 194
Loc: Med
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I had a mortgage with Portman (now part of Nationwide). I told them I was letting and they just imposed a 1% surcharge, which is normal. There were also a couple of conditions about length/type of tenancy etc.
If renting is an acceptable solution to you, and the rent covers the mortgage, in my view it's a good idea as you keep a foothold in the UK market.
PM me if I can give more info.
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PhilipH
regular
Reged: 30/03/2005
Posts: 563
Loc: Northern Ireland
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Fortunately no mortgage.
Anyone want to buy my house - it's got great views over the North Channel to Ailsa Craig and the Scottish coast. Lovely garden that's easy to maintain. 
The weekly check and logbook sounds good as this could work - we would need someone to give it the occasional dust, cut the grass etc. I'll discuss with insurance company if all else fails.
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david36
regular
Reged: 16/03/2005
Posts: 122
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We looked at this a couple of years ago. Insurers took differing views depending on whether you were insuring just the building or building and contents. Many are reasonably relaxed if just the building eg a weekly check from another local etc. However, if you want contents cover then they are much stricter. The best we found was a requirement for a recorded overnight stay by a friend/relative during the 45 or 60 day period that the policy specified. They did not seem to mind who it was. However, there is also the question of would you want to leave you house and contents unsupervised for very long periods? Personally I would not.
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eastcoastbernie
regular
Reged: 28/07/2006
Posts: 849
Loc: Me: Cambs Boat: SYH Levington
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I know someone who seems to have found quite a neat solution. Rather than rent the house to a family at a 'whole house' rent, he has rented to a single person who occupies one bedroom (and has use of the rest of the house) at a single person rent. The single person is delighted to have the whole house to himself and in return mows grass etc. So the house is occupied without the nuisance of having a family move in with all their belongings, and there is the bonus of having some money coming in.
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Click HERE and I'll have you in stitches.
Upholstery and other boaty sewing stuff too.
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PhilipH
regular
Reged: 30/03/2005
Posts: 563
Loc: Northern Ireland
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Now I like that solution. Many thanks
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PlanB
regular
Reged: 05/09/2004
Posts: 194
Loc: Med
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Don't forget to check your insurance policy to see if it covers you renting out your house or having it lived in by a friend. And your mortgage terms probably require you to tell your lender.
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