hTTi

Hello everyone,
I need to buy house insurance for our UK rental.
No idea why, but most providers of Landlord insurance require the landlord to reside in the UK. Otherwise they simply won't insure. Very annoying.
There are exceptions of course, Direct Line for example, though I don't like their quote being 50% more expensive than I paid them only 1yr ago.
Comparison website also useless.
Experience / knowledge to share?
Thank you,

PS
In case you ask: no, I don't have a cousin, brother, best friend, whatever residing in the UK whose address I could use (beside, it'd probably make the police void).

Hiscox UK might insure it for you as a non-UK resident or alternatively, Hiscox Germany I know insure foreign properties for German residents.

SilkeT wrote: ↑Sun Dec 21, 2025 7:03 am Hiscox UK might insure it for you as a non-UK resident or alternatively, Hiscox Germany I know insure foreign properties for German residents.

Thanks
Meanwhile I discussed this with the AI chatbot of Moneysupermarket. I got instructed to pretend I am resident in the UK, and afterwards update my contact details.

Alberto wrote: ↑Sun Dec 21, 2025 8:13 am

SilkeT wrote: ↑Sun Dec 21, 2025 7:03 am Hiscox UK might insure it for you as a non-UK resident or alternatively, Hiscox Germany I know insure foreign properties for German residents.

Thanks
Meanwhile I discussed this with the AI chatbot of Moneysupermarket. I got instructed to pretend I am resident in the UK, and afterwards update my contact details.

Personally, I wouldn't go down that route. You may find that the insurance company cancels the insurance you just took out. Many insurers don't have licenses to do business in the EU and therefore cannot deal with EU residents - be it when the insurance is taken out or when the resident status afterwards.
It's something you should check in their GTCs if you decide to take that route.
Good luck!

I had the same problem until recently. I eventually had to settle for Direct Line after much frustration.
But the policy excess for flooding was 10.000 pounds. But I had no choice.

SilkeT wrote: ↑Sun Dec 21, 2025 8:37 am

Alberto wrote: ↑Sun Dec 21, 2025 8:13 am

SilkeT wrote: ↑Sun Dec 21, 2025 7:03 am Hiscox UK might insure it for you as a non-UK resident or alternatively, Hiscox Germany I know insure foreign properties for German residents.

Thanks
Meanwhile I discussed this with the AI chatbot of Moneysupermarket. I got instructed to pretend I am resident in the UK, and afterwards update my contact details.

Personally, I wouldn't go down that route. You may find that the insurance company cancels the insurance you just took out. Many insurers don't have licenses to do business in the EU and therefore cannot deal with EU residents - be it when the insurance is taken out or when the resident status afterwards.
It's something you should check in their GTCs if you decide to take that route.
Good luck!

I repeat: not my idea, just I was reporting what the insurer itself suggested me doing (well, almost, the AI chatbot on their website).

Alberto wrote: ↑Sun Dec 21, 2025 3:03 pm

SilkeT wrote: ↑Sun Dec 21, 2025 8:37 am

Alberto wrote: ↑Sun Dec 21, 2025 8:13 am

Thanks
Meanwhile I discussed this with the AI chatbot of Moneysupermarket. I got instructed to pretend I am resident in the UK, and afterwards update my contact details.

Personally, I wouldn't go down that route. You may find that the insurance company cancels the insurance you just took out. Many insurers don't have licenses to do business in the EU and therefore cannot deal with EU residents - be it when the insurance is taken out or when the resident status afterwards.
It's something you should check in their GTCs if you decide to take that route.
Good luck!

I repeat: not my idea, just I was reporting what the insurer itself suggested me doing (well, almost, the AI chatbot on their website).

I understood that. I was giving you my (non-AI) view on what might happen.