Holiday Home Insurance

Call your holiday letting insurance specialist today 01237 429 444

Holiday Home Insurance Specialists

Celebrating 30 years of Holiday Home Insurance

Holiday Home Insurance Specialists

Call your UK holiday letting insurance specialist today

01237 429 444

Celebrating 30 years of Holiday Home Insurance

Holiday Home Insurance

Link to: Listed Holiday Home InsuranceLink to: Holiday Cottage Complex Insurance

Boshers deliver quality holiday home insurance having built the trust of UK holiday home owners for over 30 years

Holiday home insurance tailored to your individual needs as a holiday let owner. We’re focused on delivering peace of mind to UK Holiday Letting owners like you, who deserve that when things go wrong, they’ll be put right.

Insurance cover is available for self-catering holiday homes, holiday cottages, apartments and holiday cottage complexes within the UK. As long as your holiday rental property isn’t your main home and is let for short term family holidays throughout most of the year, our team are here to help you get the right cover.

The policy can cover your holiday home buildings, contents and public liability for holiday letting. Nowadays holiday homes are furnished to a high standard, therefore the policy includes accidental damage and theft cover as standard. Together with cover for loss of rental income and legal expenses, this results in wide cover for your holiday home.

Peace of mind with the right cover for holiday letting

Guest facilities like pools, hot tubs, a gym or children’s play equipment help secure more bookings but bring additional risk. As holiday home insurance specialists we understand this and will provide you with advice, safety guidance and importantly liability cover.

Do you have concerns about your holiday home being vandalised by your paying guests or intruders? Is your holiday home dog friendly or do you use a key safe? Speak to us so we can explain how our holiday home policy will cover you.

Looking for holiday home insurance which is simple to understand and user friendly?

We provide great holiday home insurance cover. Contact us for a quote today

Boshers’ friendly team are holiday letting specialists, having been advising UK holiday homeowners for the past 30 years. If you appreciate quality cover, specialist advice and prompt service, call us on 01237 429444 for a quote.

Underwritten by Ecclesiastical | Financially Secure | Award Winning Claims Service

Our holiday home policy is underwritten by Ecclesiastical Insurance who are one of the largest independent British-owned insurers. Ecclesiastical are financially secure, with an A- rating from Standard & Poor and an A rating from AM Best, as affirmed in 2019. Should the worst happen, we are confident your holiday home is in safe hands with their award winning claims service.

We are proud to partner with Ecclesiastical, who have a 98% claims satisfaction rating (*claims satisfaction survey 2018 – intermediated clients who have had their claims settled).

Call us for a quote today on

01237 429 444

Request a call and a member of our team will be in touch

Holiday Home Insurance – Key Points

  • Tailored policies for UK holiday lets
  • £10m public and products liability
  • £10m employers liability
  • Loss of rental income
  • Legal expenses
  • Accidental damage cover
  • Theft even whilst occupied by guests
  • Underwritten by a British Insurer
  • Award winning claims service
  • 98% claims satisfaction*

Call us today for Holiday Home Insurance quotes and advice

01237 429 444

Our qualified advisers are ready to ensure you get the right cover and peace of mind for you and your guests

Holiday Home Insurance FAQs

Our policy is underwritten by Ecclesiastical Insurance Office Plc, Beaufort House, Brunswick Road, Gloucester GL1 1JZ

Buildings – means the buildings of the premises including landlord’s fixtures and fittings at the addresses shown in the schedule. This includes the following:

  • the total rebuilding costs of the holiday home property (not the market value)
  • domestic garages and outbuildings, statues, fountains and hot tubs permanently fixed into the ground, swimming pools, tennis courts, paths, drives, terraces, patios, walls, fences, hedges and gates, fixed aerials, satellite dishes, wind turbines, solar panels, yards, car parks, roads and storage tanks all on the same site.

When setting your sum insured the cost of reinstating the above should be included as well as:

  • fees which might be incurred e.g. architects and surveyors fees, legal charges and the cost of meeting E.C. legislation and public authority requirements
  • Expenses for removing debris

In the event of a claim the basis of settlement for buildings will be the cost of reinstatement, repair or replacement as new.

Rebuilding cost guidance provided by BCIS is available here…

Contents – means all household goods furniture and furnishing fixtures and fittings contained in the buildings of the premises which you own or for which you are responsible excluding guests’ and your personal belongings. All of which should be allowed for in setting your holiday home contents sum insured:

  • The full replacement as new of all household goods and furniture and furnishings therein which you own or for which you are responsible excluding guest’s effects.
  • Expenses in removing debris

Cover excludes jewellery, articles of precious metals, watches, furs, stamp collections, photographic equipment and personal computers.

There is a limit in respect of books, works of art, television, audio/video equipment, a £1500 single article limit and a maximum of £5000 any one property applies. Increased limits available at an additional charge.

Yes, providing the holiday property is available for short term commercial holiday lets at other times of the year.

Yes, providing there is an assured tenancy agreement in place and the holiday property reverts to holiday letting at other times of the year.

Yes – providing there is an agreement in place and the holiday property reverts to holiday letting at other times of the year.

Unfortunately cover is not available for thatched properties at this time.

Liability cover would be limited to the boundaries of your property and would not extend to the common parts.

Yes – Providing that any adjoining door between the accommodations is kept locked. We would also look to provide insurance for your main residence under a separate home insurance policy in these circumstances.

In the event of the property being unavailable for commercial letting following an insurable claim, loss of rental income is automatically covered for up to 2 years to a total sum insured of £75,000. Higher limits are available at an additional premium.

Yes, this is automatically included.

Yes, this is automatically included.

Unless additional terms are applied, £100 excess applies to each and every property damage claim, which is increased to £500 for burst pipes, escape of water and oil; and £1000 in the event of a subsidence claim.

Yes the policy automatically covers £10m public and products liability.

Yes the policy automatically includes employer’s liability cover for £10m. A certificate is issued with every policy.

It is a condition that whenever the premises are left unoccupied you will arrange that the premises are inspected at least every 14 days by you or an authorised person responsible to you.

Whilst the holiday home is untenanted during the months of October to March inclusive, you will arrange that either (a) the heating system is brought into constant operation and a minimum room temperature of not less than 7  degrees Celsius (45 degrees Fahrenheit) maintained throughout the property or (b) the water is turned off at the stopcock inside the premises and the domestic water system drained and other services such as electricity and gas are disconnected (other than as necessary to maintain the central heating or security system). There is also a requirement that any water tank and pipework in your loft is lagged.

During business hours, please telephone our dedicated claims staff at Boshers on 01237 427992 or alternatively call the Ecclesiastical claims helpline to report your claim on 0345 603 8381. Out of hours, to report a new claim other than legal expenses claim, please call 0345 603 8381 quoting your Holiday Home Insurance policy number, insurer and state that Boshers Ltd are your broker.

When calling any of the emergency helpline services please quote your policy number which can be found in the policy schedule

Emergency glass replacement – Solaglass 0800 474747 – provides a rapid boarding up or replacement service for broken windows.

The following are provided by DAS Legal Expenses Insurance Company Ltd (DAS)

EuroLaw commercial legal advice 0345 268 9124 Legal advice on commercial legal problems affecting your holiday let business.

Tax Advice (commercial) 0345 268 9124 Advice on any tax matter affecting your holiday let business under the law of the United Kingdom.

Counselling 0345 266 9667 confidential counselling service for employees of your holiday let business (including any member of their immediate family who permanently live with them).

The following are provided by DAS Legal Expenses Insurance Company Limited (DAS):

Employment Manual – All the sections of this web-based document can be printed off for your own use.

DAS businesslaw – a free online reference full of the sorts of letters, articles and forms that will help you run your holiday let business successfully.

Details of how to access this information is on page 6 of the Holiday Home Insurance policy document.

What our clients say

….it’s so easy to deal with you, ….it’s also good to be able to ring and speak to someone so easily.

Mr R OpieHoliday Home Insurance – St Ives

Please pass on my thanks to Mark Stevens for such a fabulous and professional service.

Lou OHoliday Home Owner

May I say how impressed we have been with the efficiency of your organisation, throughout the very many years of dealing with your company. We shall most certainly recommend you to all our acquaintances.

Mr A SBusiness Owner

Thank you Boshers and Ecclesiastical for a truly professional response, a great rarity in this day and age!

Mr P K Holiday Home Owner

Many thanks for your services over the years and should we require this type of insurance in the future you will be our first point of contact.

Mr P SpencerHoliday Home Insurance

Once again thanks for all your help, the process has been very efficient and smooth and we will certainly be happy to continue using your services in the future.

Mr & Mrs Johnston Holiday Home Insurance

I would like to compliment you on your professional and thorough approach to business. I’ll be happy to refer you to friends.

Mr C and Mrs S SmithProperty Owner

…We would like to say how pleased we have been with our holiday home insurance cover with Boshers especially the way in which you have advised from time to time with relevant Holiday Let information.

Mr Keith and Jacquie HHoliday Home Owner

We always use and recommend you for holiday let insurance – always very pleased.

@BathholidaycoHoliday Letting Company

…can I just say thank you for being most calm and collected, it’s been a bit of a panicky period for me…

Mr M BHoliday Home Owner

I have been very impressed with the service at Boshers, their discretion and efficiency is outstanding and I would not hesitate to recommend them.

Mrs J GHoliday Home Owner

Thank you for sorting this out, it’s very helpful for us to at least action something before the Easter break. … once again thanks for your kind assistance in this matter.

Mr A HHoliday Home Owner

Thank you for your swift and friendly attention as ever.

Mrs C WHoliday Home Owner

I continue to be impressed by the nature of the Ecclesiastical Home Insurance Policy and the support and advice provided by Boshers.

Mrs J MHome Insurance

… buying holiday home insurance from Boshers gives one the confidence that when something goes wrong at the holiday home they will go out of their way to make things right… Thank you so much to Boshers and all involved for handling this claim without fuss or drama.

Mr M FirmanHoliday Home Owner

…thanks so much for your help. It has been a joy dealing with you!

Mrs G.D.Holiday Home Owner

I want to thank you for the competent, courteous and pleasant way you have handled my claim. …you have been brilliant

Mr P.GHoliday Home Owner

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We focus on UK Holiday Home Insurance from our office on the outstanding North Devon Coast

Specialist insurance designed for UK Holiday Home owners

Call us today for Holiday Home Insurance quotes and advice

01237 429 444

Our qualified advisers are ready to ensure you get the right cover and peace of mind for you and your guests