Temporary cover enhancements for unoccupied holiday homes
Update for Boshers holiday home insurance policyholders who are concerned about their unoccupied holiday homes which are temporarily closed due to COVID-19. We would like to reassure our policyholders in light of the most recent government advice about the outbreak of COVID-19. You may be concerned that due to the current lock down and travel restrictions, the usual inspections of your holiday let cannot take place. You may also be concerned that your policy cover may be restricted.
Recognising the circumstances customers find themselves in, we would not expect to see your ability to claim affected by circumstances over which you have little control. To reassure you, up to and including the 2nd December 2020 in England, Ecclesiastical have agreed that unoccupied premises cover restrictions will not apply to Temporarily Closed premises. These will equally apply to any similar lockdowns in Scotland, Wales and Northern Ireland as per the dates announced locally by the governments in these countries.
A revised letter of intent can be downloaded (as a PDF) here. The letter details the revised temporary cover enhancements for unoccupied holiday homes.
The need for an inspection or check is deferred until travel restrictions are lifted
Where government advice does not allow the necessary travel to complete an inspection or to check on the security devices, the need for an inspection or check is deferred until travel restrictions are lifted to a level which allows inspections to re-commence.
However, if your holiday home is not occupied, this represents a greater risk of significant damage which could delay your holiday home getting back up and running once the current COVID-19 outbreak has passed. With this in mind, where you are able to do so safely, and within the current government guidelines, we would encourage you to consider anything you can do to reduce the risk of damage or loss, particularly through escaping water from heating systems and security of the premises generally.
In respect of Temporarily Closed premises the following risk management measures should be implemented as far as is possible:
(1) you must maintain in full and efficient working order and keep operational all
- alarms (if fitted)
- locks and all other protective and security devices preventing access to the premises
(2) Provided any travel required to carry out an inspection is in line with the latest government advice you or an authorised person responsible to you must undertake an internal and external inspection of such buildings at least every 14 days and
- rectify as soon as is reasonably possible any defects in the fabric of the building or any protective or security devices or installations
- take action to ensure the premises cannot be easily identified as unused or closed down such as removing waste, recycling and accumulations of post.
iii. put in place contingency plans incase the primary person(s) carrying out inspections or responding to alarm activations need to self isolate or are ill so that inspections and alarm activation responses can be maintained by another appointed person
(3) you or an authorised person responsible to 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).
If you have any questions regarding this please do contact us. However in order for us to manage enquiries during a period where we are likely to be busy, please could we ask where possible that in the first instance you email email@example.com. We will continue to update you and our website as the situation develops and thank you for your understanding at this difficult time.
Not a Boshers holiday home insurance client yet? We offer specialist holiday home insurance to owners across the UK. If you need an insurance quote for your holiday let call us on 01237 429444. If we are closed use the quote form and we’ll be in touch during the next business day.