Holiday home insurance (Uk)

[David3267]

Anyone thought about this? Quite a few holiday home insurance companies require a property to be occupied. If un occupied (& a common definition is over 30 days) then the policy states certain risks may not be covered. Each insurance company will be different but three questions (ideally we have an insurance expert?)

1) Is going to check on a property every seven days deemed as essential travel? (In Devon there's even rumours of roadblocks this weekend to prevent unnecessary & un welcome travellers)

2) Can one move into one's own property to prove occupancy? (Second home owners are being castigated in some towns for doing this, Mr Gordon Ramsey being one!)

3) Do you think insurance companies will ignore these exclusions?