do I need insurance for holidays if I own a home in Spain

[cris r]

was wondering if I need holiday insurance if I own my own home in spain

[woofgang]

are you going to spain on hols?

[Old_Geezer]

How does owning property there help ? Is that enough to give you fee medical care ?

[cris r]

I see what you mean. we have been using it as a holiday home and using holiday insurance as we go, But we were thinking of staying for a month at first then extending it to maybe two months.

[buildersmate]

You need to look at the typical benefit clauses of holiday insurance and see whether you reckon you need it. If I was in your position I wouldn't bother.
All the guff about compensating you for x hours delay in the flights pales into insignificance somewhat if one is out there weeks at a time.
As OG points out, think about your health and what would happen if you fell seriously ill and had to be repatriated to the UK. You can get emergency medical treatment in Spain using your EHIC card / reciprocal deal between all EU countries and it is not as if Spain is one of the more backward EU countries when it comes to medical facilities. If you are in genrally good health it is perhaps something you can dispense with.

[Buenchico]

You need to check the terms of any holiday insurance policy you have, to check whether there is any restriction upon the length of your stay abroad on any particular trip. (There usually is; it's typically 28 days but it can be longer).

If a standard policy doesn't meet your needs, you should look into 'long trip insurance'. (Post Office Insurance offers such a policy).

If you eventually move abroad you would need 'ex-pat insurance'.

You should still ensure that you take your EHIC with you.

Chris

[jno]

I was away for 10 weeks last year and had to get an insurer who covered absences that long. (I think I went with Planet Earth.)

You may also need to check your household insurance (in the UK) covers your home if it's left unattended for long periods.

[boxtops]

We've got an annual travel policy free through our bank but we can't travel for more than 30 days at a time.

[boxtops]

^ and PS yes I would - what happens if you lose your luggage in transit?

[spudqueen]

I certainly would have travel insurance. I usually get the Post Office travel insurance . This covers you from the minute you leave home to the minute you get back, so if for example there was an accident on the motorway, you were caught in the tailback and missed your flight, you are covered. It also covers you for lost or stolen items and medical problems, including flying you home if needed, with a nurse or doctor if needed (that isn't covered by your EHIC card). It also covers you in case of (God forbid) you die over there, so it would cover the cost of repatriating your body. Then there is personal liability and legal expenses, if someone decided to sue you.
Don't forget to take your EHIC card, but remember, this is not accepted at all hospitals, so in those cases you would need your travel insurance.
The Post Office annual travel insurance covers you for trips of less than 31 days, unless you pay a premium, in which case you are covered for trips of up to 45 days. If you get the individual trip policy you are covered for up to 90 days each time.