This category is about all aspects of Holiday Home Insurance and will be of interest to owners of holiday homes, cottages and holiday complexes across the UK. As Holiday Home Insurance Specialists Boshers are experts and provide tips and guidance. Check out these posts, Holiday Homes – getting your Buildings Insurance Right, Dog Friendly Holiday Home Insurance, How much should your holiday home insurance cost?, Frequently asked holiday home insurance questions, Getting your Holiday Let Insurance Right – Public and Employers Liability

Owners improving their holiday home WOW FACTOR should consider their holiday home insurance! In a competitive domestic self-catering holiday market, holiday home owners are increasingly turning to property improvements to increase the WOW FACTOR and appeal of their holiday homes, cottages and apartments.

When planning to undertake major improvements which go beyond new decor, owners are reminded to contact their holiday home insurance provider for advices prior to the work commencing and just as importantly after works have been completed in order that sums insured can be adjusted accordingly. The benefit of keeping your holiday home insurance adviser in the loop is that you can then rest assured in the knowledge that you will have the corrrect cover in place.

For information on ensuring that your holiday home insurance sums insured are correct, read Boshers Guide to Holiday Home Insurance Sums Insured.

We at Boshers understand the needs of holiday home, cottage complex and apartment owners. If you do not already benefit from our comprehensive holiday home insurance policy, contact us today on 01237 429444 or email cottages@boshers.co.uk and we’ll make a diary note to speak to you nearer your renewal date.

For further information on UK holiday home insurance visit the website page most relevant to you:

Holiday Home Insurance | Holiday Home Owners Require Liability Cover – Why? As a responsible holiday home owner you will always ensure that your holiday home is as safe an environment as possible for your guests and employee’s to frequent. However, it is often the unforeseen that will cause accidents leading to compensation claims which can be substantial.

A slippery path, a loose paving slab, weather beaten garden furniture! – Have you inspected yours lately?

A comprehensive Holiday Home Insurance policy, such as that arranged by Boshers will provide cover to indemnify you against your legal liability to pay damages and legal costs arising out of claims for bodily injury, death, disease or illness from a third party such as an employee, (i.e. a cleaner, gardener or key holder) and paying guests in connection with the running of your second home as a furnished holiday let.

How much Employers Liability Insurance should you have? If you have a contract of service with anyone who helps you maintain your holiday let business, whether spoken, written or implied and you provide them with work materials and equipment, then you may be regarded as their employer, irrespective of their tax status. It is a legal requirement, that you have in place Employer’s Liability Insurance of at least £5m, in practice many insurers provide cover of £10m.

How much Public, Products and Personal Liability Insurance should you have? Whilst not a compulsory insurance, we would recommend cover of at least £3m for small properties that sleep up to six guests and £5m for larger properties.

The above cover is generally provided as part of a packaged Holiday Home Insurance policy, also covering the buildings and contents of your holiday home.

For articles on Health & Safety for holiday home owners visit www.boshers.co.uk/blog. Additional guidance and holiday home insurance quotes are available from the Boshers Holiday Home Insurance Team on 01237 429444 or visit www.boshers.co.uk.

Insurance Premium Tax Rise – ONLY 1% Holiday Home Insurance purchasers will today breathe a sigh of relief that in todays Emergency Budget, the Chancellor, George Osbourne announced that Insurance Premium Tax (IPT) will only be increased by 1% to a total of 6%. This increase follows widespread speculation that he would use the Emergency Budget to announce a far larger hike in the tax.     

Running a Holiday Let is not always plain sailing

Running a Holiday Let is not always plain sailing. Owners should consider their Holiday Home Insurance provider wisely.

By choosing to partner with Boshers as your broker and Ecclesiastical Insurance as your underwriter, you will benefit from the following:

Peace of Mind – we have worked closely with our Holiday Home Insurance underwriter Ecclesiastical, holiday letting agents and owners for two decades to create a comprehensive insurance policy specifically designed to meet the needs of discerning furnished holiday let owners.

Quality – Together with Ecclesiastical we share a commitment to bring you a quality holiday home insurance policy with highest possible standards of service.

Running a Holiday Let is not always plain sailingPersonal Service – Whether we are advising you on your holiday home insurance during business hours or you are dealing with Ecclesiastical 24/7/365 regarding a claim, you will talk to a real person not a machine.
Fair Treatment – We share with Ecclesiastical a philosophy to treat each customer the way we would like to be treated ourselves: with integrity, empathy, promptness, fairness and expertise.

Financial Strength – As one of the largest British Owned Insurers with group assets of over £1billion and net assets of over £200m our Holiday Home Insurance underwriter Ecclesiastical have a Standard & Poor’s A- rating. At the time this was awarded in April 2013 they maintained a stable outlook for the company. In December 2012, A M Best affirmed their A (excellent) rating. Visit www.boshers.co.uk for more information.

Running a Holiday Let is not always plain sailing

As running a holiday let is not always plain sailing holiday home owners will also find the links below of interest:

For Self-Catering holiday cottage owners in Scotland, the Scottish Government has produced the following:

You may also find the following posts for holiday home owners of interest:

Follow this link for posts similar to Holiday Let Insurance for your annexe other useful resources for holiday home owners

For further information on UK holiday home insurance visit the website page most relevant to you:

Holiday home insurance specialists, Boshers Ltd advise furnished holiday let owners to review their cover and in particular to check that sums insured are correct. Mark Lavington, Director of Boshers Ltd said that, “many holiday home owners will find that their holiday home insurance falls due for renewal during the Spring and early Summer as this is often when properties were purchased or began their life as furnished holiday lets. This is therefore a poignant time to ensure that you have sufficient cover”.

Suitable holiday home insurance will give you peace of mind should the worst happen, however you’ll need to ensure the correct buildings and contents sum insured are specified to ensure the right amount of cover is provided as the implications of underinsurance can be costly.

Holiday Home Insurance. Are you fully covered?

Underinsurance

It is important not to underinsure your holiday home property or its contents. This is because if you only insure for say, 50% of the reinstatement value of your property or contents you stand to have any claim payment reduced by half and you will be considered as your own insurer for the difference and thus bear a rateable proportion of the loss accordingly. The guidance below will help you calculate the correct figures and avoid the potential for underinsurance.

Rebuilding Costs

Your holiday home buildings sum insured should represent the amount that you would have to pay to rebuild your holiday home again should there be a total loss e.g. in the event of a fire. This should include the cost of rebuilding boundary walls or fences, reinstating driveways and outbuildings. Internally you will need to consider fixtures and fittings such as built in bedroom furniture, kitchens and bathrooms as well as redecoration, basically everything that is fixed and would be left behind if you sold the property.

The Association of British Insurers’ (ABI) rebuilding cost calculator is designed to help you assess the rebuilding cost of your property, if it falls within a range of standard house types. There is of course no substitute for instructing a professional Surveyor to prepare a Rebuilding Cost Assessment for insurance purposes. The RICS web site can be used to search for a Chartered Surveyor (http://www.ricsfirms.com/) in your area.

Index linking

Because your holiday home insurance buildings sum insured is index-linked (i.e. it’s adjusted according to inflation), if the worst happens and the sum insure is sufficient your claim will be paid in full up to the sum insured. It is none the less, important that the sum insured as well as being correct at outset, is also increased to reflect improvements that you make to your holiday home, such as adding an extension, conservatory or a designer kitchen or bathroom.

Contents Calculator

Your holiday home contents sum insured is the total value of replacing your holiday home contents with new items, should there be a total loss e.g. in the event of a fire. It’s important that your sum insured is correct so that your insurer can quickly pay any insurance claims you make.

The most effective way of working out your contents sum insured is to draw up an inventory of all the contents in your holiday home, room by room. Against each item write the replacement cost for a similar brand new item. The contents of your holiday home includes everything that isn’t fixed, which you would take with you if you sold and interestingly also includes carpets, so ensure that you allow sufficient to re-carpet throughout. In respect of books, works of art, television and audio visual equipment a single article limit may apply, be sure to check that you have sufficient cover and for items exceeding these limits please refer to your broker for further advices. Index linking may apply to the contents section of your Holiday Home Insurance policy; however it is important that you ensure that the sum insured is sufficient at outset and each renewal. In today’s market this is particularly pertinent as competition for guests dictates that holiday homes are increasingly furnished to a high standard and equipped with expensive flat screen televisions and accessories such as hot tubs and home gyms.

Loss of rental income

A quality Holiday Home Insurance policy should provide cover for loss of rental income, for insured perils which consequently render the holiday home uninhabitable for a period during which the property is repaired. As it may take some time to rebuild a holiday home levelled by fire or damaged by flooding; cover should be considered for up to two years. Check that your loss of rental income sum insured is sufficient and that your projected gross holiday letting income does not exceed the cover provided.

Should you require any additional guidance or a holiday home insurance quote, please contact a member of Boshers Holiday Home Insurance Team on 01237 429444.

Key Safe holiday home

Security precautions when installing Key Safes at your holiday home. You, your holiday home, your holiday home insurance and key safes Firstly check with your holiday home insurance broker that the use of Key Safes is acceptable. There may be specific warranties that you will need to adhere to in order not to invalidate your holiday home insurance cover.

Key Safes - holiday home secure

The use of a good quality Key Safe to help manage access to your property by guests on arrival is by far the best alternative to leaving a key under the doormat or a nearby flower pot! By taking a few sensible precautions, the use of a Key Safe at your holiday home will enhance your guests holiday experience and make life easier for you and your holiday letting agent.

Guidance for holiday home owners on the use of key safes

  1. Purchase the best quality Key Safe that your budget allows, preferably with a 5 – 7 digit code
  2. Where possible locate your Key Safe out of sight
  3. During installation of your Key Safe ensure that it is bolted firmly into brick or stone, avoiding soft mortar
  4. Arrange with your housekeeper to leave a door key in the Key Safe no more than 24 hours before the guests are due to arrive
  5. Encourage your guests not to leave Keys in the Key Safe during their stay
  6. Have your housekeeper remove the keys from the Key Safe within 24 hours of the guests departure, unless new guests are arriving
  7. Ask your housekeeper to change the 5 -7 digit code between lets, to a new code which you or your agent can inform your next guests of
  8. Do not allow keys to be left permanently in a Key Safe during periods of unoccupancy

For further information on UK holiday home insurance visit the website page most relevant to you:

Guide To Holiday Home Insurance. Letting your holiday home commercially has many benefits, however as with running any business it isn’t without risk. It is therefore important to get the right holiday home insurance cover. Many holiday home owners may unwittingly be relying on normal home insurance cover or even more disconcerting have no cover at all.

Insurance brokers like Boshers understand the demands and needs of owners of commercially let UK holiday homes and have negotiated a specialist holiday home insurance policy with a leading insurer. Read our Guide To Holiday Home Insurance

“Be Prepared For The Thaw”, Boshers advise their holiday home insurance clients. We are here and ready to help.


To make a claim, call us Monday to Friday 8.30-5pm on 01237 429444 or Ecclesiastical on 0845 603 8381, 24 hours a day, 7 days a week
The cost and personal inconvenience caused by a burst pipe claim can be considerable with claims often running into many thousands of pounds. Just a small fracture can release hundreds of gallons of water into your property; damaging carpets, walls, ceilings and also personal items.
The chance of suffering these losses can be reduced and we would recommend taking the following steps to do this:

General tips:

Check the location of your stopcock.

Check whether your boiler needs servicing.

Check the insulation on your water pipes and cold water tank, those in the attic or other vulnerable spaces should be lagged or similarly protected.

Modern methods of insulation can be so effective in keeping heat within your property that attics can become very cold, this could cause a pipe to freeze. We therefore recommend you keep your loft hatch open if you have pipes in the attic to keep this area warm.

Keep doors between heated and unheated rooms open to allow warm air to circulate.

Keep cupboard doors open below sinks to allow warm air to circulate around the plumbing.

Seal any holes or gaps that may be letting cold air into your property.

Make sure any valleys and gulley’s on your roof are kept clear and free from debris.

Make sure any external taps are turned off and disconnect any hoses.

If you discover a frozen pipe don’t wait for it to burst. Turn off your water supply and then slowly thaw the affected pipe by introducing gentle heat to the area e.g. hair dryer, space heater, hot water bottle. DO NOT attempt to thaw the pipe with a blow torch or other open flame such as a cigarette lighter or matches.


What if you are going away or the property will be unoccupied?

Keep your property heated to reduce the chance of a pipe freezing.

If you are going away for an extended break drain and shut off your water system.

Ask somebody to check on your property daily. This may not prevent a loss but early identification of an escape can help reduce the ultimate cost.


Ensure you have complied with any unoccupancy conditions or warranties listed in your policy. If you need any clarification call Boshers on 01237 429444.


What if the worst happens?


Turn off the water supply at the stopcock. This should prevent any more water escaping into your property.


Where practical try and catch any excess water in a bucket or other container.

Do not use any electrics if you believe these may have been affected by the escaping water. You will need to have these checked by a professional electrician.


Call Boshers Monday to Friday 8.30-5pm or Ecclesiastical on 0845 603 8381 (24/7) immediately to report your claim. Ecclesiastical have to a wide range of specialists who can assist with the drying out and clean up of your property and also the necessary repairs or replacement.


We are here and ready to help.

Insulate Your Water Pipes Against the Big Freeze

Rugging up is essential for both people and water pipes during this icy snap, with pipes likely to freeze as temperatures continue to plummet. Boshers Holiday Home Insurance Specialists offer the following advice about fixing frozen pipes in your holiday homes, but with a little preventative investment people can avoid major costly repairs in the future. And it’s not too late to act, with more wintry weather predicted in coming months now is the time to take action.

The biggest problem with frozen pipes is not the initial loss of water supply but the subsequent thaw. Compared to water, ice needs more space – so when water freezes it expands, which means a frozen pipe often leads to a burst pipe and flooding.

• First, check the pipes for any signs of splitting. If you spot any damage, call a plumber. If you don’t get the pipes repaired now, you might suffer from flooding once the water thaws.

• If there are no splits, turn on the cold water tap nearest your internal stop tap (often located under the kitchen sink) and turn it to a position where the water flow would normally be slow.

• Turn off the stop tap to cut the water supply and use a gentle heat source, such as a hair dryer or electric fan heater, to gently direct the heat around the internal stop tap until the pipe thaws.

•Occasionally turning the stop tap completely on and off helps clear any blockages.

Do not use electricity, or a blow torch or naked flame where there is a risk of water escaping. Also do not light the boiler to thaw out a hot water or central heating system. If a pipe bursts, turn off the stop tap and leave a tap on to allow the thawed water to drain out. Remember to take the plug out of the sink and contact a qualified plumber.

As always, prevention is better than cure and there are a number of things that can be done to protect water pipes from the cold weather.

• Fix any dripping taps or overflows, a gentle trickle of water can freeze and block the overflow or waste pipe.

• Check that your internal stop tap is working by opening and closing it

• Ensure that pipes in cold and draughty areas like roof spaces, outbuildings and garages are well insulated with approved lagging materials. If this isn’t something you are able to do yourself, then a registered plumber can do this.

• Use waterproof insulation on all pipes exposed to the elements and ensure all lagging is kept dry. Wet lagging is useless.

• Insulate water tanks by covering them around and above but not underneath if the tank is in the roof or loft. Rising warm air from the home below will help prevent the water from freezing.

• Remember to insulate any outside taps or turn them off at the internal stop tap and leave the outside tap open to drain it.

• Keep windows closed and stop draughts near pipes in unheated areas, but remember you must provide ventilation for boilers, gas fires etc.

• Leave central heating on low or a frost-protect setting overnight, or when away for a few days.

• Ensure your central heating system is serviced regularly.

• Keep your plumber’s contact details handy in case of an emergency.

Remember if you do have a burst pipe, take action to reduce the damage to your holiday home and it’s content’s immediately, then report the incident to your holiday home insurer or broker in order as soon as possible. Claim procedures and contact details are to be found in your holiday home insurance policy document.

You may also find the following article of interest:

For further information on UK holiday home insurance visit the website page most relevant to you:

Crime Gangs Target Second Homes And Holiday Cottages To House Cannabis Factories. Holiday Home Used As Cannabis Factory – The following story appeared in the Western Morning News on the 6th January 2009.

A MASSIVE Vietnamese-style cannabis factory has been discovered in Cornwall – the first of its kind in the county.

Devon and Cornwall Police found hundreds of well-established plants in an old millhouse in a village near Padstow, on the North Cornwall coast. The windows of the three-storey building had been blacked out and a sophisticated growing system, with high-intensity lights and fans, had been installed in several rooms.

Thirteen similar cannabis farms – linked to crime gangs from Vietnam – have been raided in Plymouth in the past three months while others have been uncovered in Exeter. However, Detective Constable Mike Bradley, the force’s drug intelligence officer, confirmed it was the first time the “problem had spread into Cornwall”. He added: “It is in a fairly rural location but my belief is there will be others in the area.”

Officers raided the house, believed to have been rented out for the past six to eight weeks, late on Sunday evening after a call from a member of the public.

No-one was found inside the property which is advertised on the Internet as a holiday cottage. Three men, all Chinese, were arrested shortly afterwards a few miles down the coast.

Officers yesterday began removing the plants and growing paraphernalia from the house. Other items were taken away for forensic and fingerprint analysis.
It is estimated that a factory being run in just five rooms can net criminal gangs around £250,000 a year.

Det Con Bradley said the factory was typical of others that had been found in the region. He said the drugs produced by such factories was destined for other parts of the country rather than the streets of Devon and Cornwall. In most cases, electrical wiring is run throughout the house to power lights and ventilation along with a watering system.

Gangs often tamper with the electricity meter, or bypass it, to avoid paying and attracting attention with suspiciously high bills.

Huge amounts of damage are caused with ducting being run through walls and ceilings. Properties are often water- damaged, while spent compost is commonly dumped in another part of the house. Locks are changed to prevent landlords gaining access. Det Con Bradley said the bill to repair the damage caused at the 13 drugs factories found in Plymouth ran into hundreds of thousands of pounds. Properties are sometimes rented for 12 months for cash upfront.

“We know from other parts of the country that these people don’t just stop at one house,” he said. “They move into an area, make a profit as quickly as they can and then leave before their 12 months is up and move on to another property.

“Landlords then return and find their properties destroyed. I would ask anyone with suspicions about a property to contact us.

“If landlords have suspicions, or can’t gain access to their premises, they should contact us rather than go in themselves.” End.

Have you checked your holiday home lately? Perhaps you have let it as a winter let? Did you carry out appropriate checks on the tenants? Does your Holiday Home Insurance policy cover you for malicious damage?