Retreat - ROI Holiday Homes

Retreat is a policy designed for private individuals who own a holiday/second home in the Republic of Ireland.


Cover is provided for residential homes 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, from a "clean" risk to one requiring specialist underwriting due to its non-standard nature.

  • "Clean" and "non-standard" risks
  • Properties used for own use or friends/family
  • Short term holiday letting
  • Portfolios
  • Risks up to €10,000,000 total sum insured

Cover provided for:

  • Buildings
  • Contents
  • Accidents to Domestic Employee(s)
  • Legal Liability to the Public
  • Legal Expenses

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Policy Documents

View and download the Retreat product summary and policy wording here

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

Like all our specialist home insurance products 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 Retreat, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.

A Quote & Buy solution for holiday homes in the Republic of Ireland.

Five good reasons to choose Retreat:

Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.

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

Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard risks that other insurers are unable to help with.

Security - Underwriting capacity for 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 brokers for over a decade. 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 buildings / 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


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 Staff 3,000,000
Legal Liability to the Public 3,000,000

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