The insurance provided is adequate for my needs, but I fail to understand why, living permanently in my property in Crete, Greece, there is not a reduction in the price of the policy. When you consider a holiday home which may be occupied for only several weeks, the risk of vandalism, theft, damage to the property from burst pipes etc, is far greater than the risk to my property which is lived in all year round. I would welcome feedback from yourselves regarding the policy for overseas properties being divided into at least 2 categories, partially occupied during the year (holiday home) and permanently occupied. Also you may consider a no claims bonus. Thanks.............Mark