Overseas Retreat - Overseas Holiday Homes

Overseas Retreat is a policy designed for private individuals who own a holiday/second home overseas.


Cover is provided for residential homes located in France, Italy, Spain, Portugal and Republic of Ireland, used either for private holiday/second home use or let on a short term basis.

The policy can provide cover for both buildings and contents and automatically includes Legal Expenses cover.

Our approach is to provide flexible underwriting for all holiday home risks, including:

  • Stand alone holiday homes
  • Properties used for own use or friends/family
  • Short term holiday letting
  • Portfolios

In addition to the above underwriting approach, many risks can be quoted and placed online without referral, speeding up service for you and your client.

Cover provided for:

  • Buildings
  • Holiday Home Contents
  • Accidents to Domestic Employees
  • Legal Liability to the Public
  • Legal Expenses

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Policy Documents

View and download the Overseas Retreat product summary, policy summary and policy wording here

Here at Plum we’re committed to supporting UK brokers. To helping you win and retain profitable business. Overseas Retreat is an important part of our delivering on that commitment.

Like all our specialist home insurance products Overseas Retreat is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Overseas Retreat, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and contents.

A Quote & Buy solution for holiday homes located in Europe.

Five good reasons to choose Overseas Retreat:

Service - Plum has been voted UK's Number 1 MGA in the InsuranceTimes MGA survey 2017/18. Our experienced, accessible underwriting team is at hand to assist you as required.

Cover - Overseas Retreat is a Lloyd's of London approved home insurance policy with several cover enhancements.  You can choose Overseas Retreat for your clients with confidence.

Flexibility - Our experienced underwriters are able to offer terms on a whole range of overseas holiday home risks, including:

  • Stand alone holiday homes
  • Own use/friends & family
  • Short term commercial holiday letting/ Air BnB
  • Portfolios

Security - Underwriting capacity for Overseas Retreat is provided by Lloyd's of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.

Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. Overseas Retreat is further evidence of our strong commitment to backing brokers.

Cover is provided on a "standard perils" basis, on a policy wording based on the Lloyd's of London approved home insurance policy.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.


Cover Limit (£)
Accidental Damage to Fixtures & Fittings Automatically included
Loss of Rent / Alternative Accommodation 25% of the buildings sum insured (max of 24 months)
Trace and access Up to 5,000
Replacement locks Up to 5,000
Theft/attempted theft by guests/tenants Up to 10,000

Holiday Home Contents

Cover Limit (£)
Accidental Damage to electronic equipment Automatically included
Guests & visitors personal effects Up to 1,000
Loss of metered water/oil Up to 2,500
Contents in common parts Up to 1,000
Replacement locks Up to 5,000
Freezer cover Up to 500
Cover Limit (£)
Legal Expenses Automatically included up to 50,000


Cover Limit (£)
Accidents to Domestic Employees 10,000,000
Legal Liability to the Public 5,000,000

A fair, efficient, customer friendly claims service.

We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.

We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.

In safe hands

We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.


As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here