Having retired, I was hoping to spend an extended period in Patts over the English winter - maybe about 5 months. However, there are some practical problems with this, the main ones being connected with insurances.
As background, I live in a leasehold apartment in outer London.
Contents insurance and buildings insurance
Both these policies become invalid if I am absent for more than 30 days. I have heard from the contents insurance company that I can get this extended to 90 days provided that I have someone enter the property and inspect it every week. I am told unofficially that the buildings insurance company is going to say more or less the same.
Firstly, 90 days is not long enough - although I guess I could live with it.
Secondly, I have a big problem having someone come and inspect the place. London is a huge city and often friends live a long way away; you usually meet up with them in the centre. I have no friends who I would want to bother to come all the way to where I live every week. They don't come when I'm here - why should they do so when I'm not!!
Travel insurance
My travel insurance limits trips to 30 days. I have done some research and find that I can get a policy that will allow 90 days away, but it will cost over £200 and will just cover that one absence.
The main item of cover in a travel policy is medical. I thought about not taking travel insurance but instead buying medical cover in Patts. However, the problem with that is that it is unlikely to cover me if I travel outside of Thailand, which I want to do.
Has anyone had to deal with these issues and found solutions to them, please?
Thanks.