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What if I don’t enjoy my first holiday?

We are so confident that you will be delighted by the quality of HPB holidays that we are prepared to make you an unprecedented ‘Money Back Promise’:

If you take your first HPB holiday within three years of investing and are not, for any reason, entirely happy, you can apply to cash in your HPB investment within 14 days of your return.

Whatever the encashment value, the parent company of the issuer of HPB will make up any difference so that you get back the full amount you originally invested.

This offer applies to the first holiday at any HPB owned property and which is taken by at least one of the Bondholders themselves.

What kind of standards can I expect on HPB holidays?

Wherever you go to an HPB location, you can expect a consistently high standard of comfort and service. All our villas, apartments and cottages are fully self-contained and fitted and furnished to high, modern standards.

All our properties, and the exclusive leisure facilities that come with them, are impeccably maintained by on-site staff. You have no maintenance worries at all. That’s a big advantage of HPB, compared with the alternative of buying your own holiday home.

Not only that, but we have an ongoing programme of refurbishment and improvement to keep HPB properties in tip-top condition.

How often can I go on holiday?

That depends on how much you choose to invest, when you want to go away, and what kind of properties you want. Many Bondholders are able to get away on holiday three, four or five times a year – especially as they can benefit from a wide range of special offers.

You can look forward to the same level of high quality holiday entitlement for the whole of your lifetime, no matter what happens to inflation. That is because when your Holiday Points are re-issued to you each year they are increased in line with standard increases across the Holiday Points chart, meaning your holiday booking power is protected, year after year after year.

How do you deliver good value holidays?

HPB’s holiday benefits are provided through a Holiday Points system, in which each £1 of your initial payment (minimum £5,000) entitles you to one Holiday Point every year. Each time you book a holiday, you exchange Holiday Points for the accommodation you want. These Holiday Points are reissued to you every year and if not used, can be "rolled over" for use in the following year.

You then pay only a no profit user charge, which covers property running and maintenance costs, rather than a commercial rental charge. The average charge for a studio is around £360 and around £540 for a two bedroom property, for a week.

Your holiday benefits don’t just last for your own lifetime – in due course you can pass your Bond on to your children and grandchildren for them to enjoy too.

Where and when can I go on holiday with HPB?

There are currently over 1,500 wholly owned HPB properties in 32 fabulous locations across 13 countries across Europe, including over 600 properties in 19 locations in the UK – and the number continues to grow. HPB has a knack for choosing unforgettable locations, such as the sun-drenched Algarve, the majestic Highlands of Scotland, the stunningly beautiful Aegean coast of Turkey and the picturesque Cotswolds. As Bondholders you can holiday in any of our holiday homes, in any location, at any time of year, subject only to availability and the level of your investment. And there are no exchange fees to pay.

Who are HPB and why can I trust you?

The Holiday Property Bond was founded in 1983 as a unique idea, a life assurance bond linked to a portfolio of top quality holiday properties and which allows its investors to holiday in all its properties for life. Since then, it has attracted new investors every year, bringing the current total to well over 40,000.

HPB has no borrowings, and never has had. All its assets are purchased with new premium income. It also has an independent and regulated trustee, to whom your investment will be payable.