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unoccupied holiday homes

Temporary cover enhancements for unoccupied holiday homes

unoccupied holiday homesUpdate 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, for an initial period up to and including the 30th June 2020, Ecclesiastical agreed to withhold the unoccupancy condition. Ecclesiastical have now reviewed the changes and have extended the date to which these enhancements will apply to the 31st August 2020. 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.

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 info@boshers.co.uk. 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.

self-catering cottage businessHaving the right insurance cover will help you run your self-catering cottage business with confidence. As a holiday letting insurance specialist we have pulled together a few pointers to consider when insuring your cottage complex:

  • Don’t forget however many bookings you take, you are running a self-catering cottage business

There are a wide range of properties being made available for holiday letting. You may holiday let an annexe of your main home, stable or barn conversions, a gate house, or even shepherd’s huts that you intend to holiday let. If they are within the grounds of your home, be sure to make your home insurers aware, as they often do not like businesses being run from the premises and you risk invalidating your cover. Seeking advice from a holiday letting insurance specialist will help you ensure you get the right cover for both the holiday cottage business and your home.

  • Make sure you have the right liability cover for holiday letting

Inviting paying guests into holiday accommodation will inevitably see the occasional slip, trip or injury. It’s vital that you have sufficient Public Liability cover and if you have a hot tub or swimming pool there is a greater risk of Legionellosis so check you also have cover for this. You may employ gardeners, maintenance and housekeeping staff for changeovers. If you do, it is a legal requirement for you to have Employers Liability insurance. Remember, even if you are directing the work of self-employed contractors or employing friends to work on your property, you’ll still need this cover.

  • Protect your income, not just your assets

Loss of income whilst a cottage is unavailable following a claim is often overlooked. Make sure your policy covers all potential bookings lost, not just pre-booked holidays. Your property may be unavailable for a sustained period in the event of a major loss such as a fire, flood or burst pipe, ensure your self-catering cottage business income is fully protected.

  • Heed guidance if you are providing facilities to your guests

Many owners provide additional facilities to help attract guests and secure increased occupancy levels. This may be outdoor play equipment, a swimming pool, sauna or hot tubs. Equally we see pets’ corners, fishing lakes and wedding venues. To protect yourself and your guests, risk assess your additional facilities, provide instruction leaflets and refer to RoSPA safety guidelines. Remember to inspect equipment regularly. Declare all facilities to your insurers and be aware that your policy may contain conditions that you need to follow.

Get the right insurance advice for your self-catering cottage business

The team here at Boshers devote their time to advising owners across the UK on insurance for their self-catering cottages. We’ve been arranging this specialist type of insurance for 30 years. We understand that each self-catering cottage business is unique. We’ll take time to understand your needs and provide you with insurance advice and the right cover.

For additional tips and information on holiday letting visit boshers.co.uk/blog. If you would like an insurance quote for an individual holiday home or cottage or for your self-catering cottage business, give the team a call on 01237 429444.

Top 100 Short-Term Vacation Rental Blogs
Top 100 Short-Term Vacation Rental Blogs

We’re delighted to say that our blog has been named as one of the most helpful online resources for holiday homeowners across the UK by Padlifter.com.

Our appearance on their ‘Top 100 Short-term Vacation rental blogs’ list, which recognises those that offer ‘best practice tips and ways of enhancing guest experience’, comes after we’ve written more than 300 blog posts over the past five years, crammed full of information on topics such as health and safety, insurance and online marketing.

We’ve been specialising in holiday home insurance for almost 30 years and over that time we’ve been able to build up a wealth of knowledge and experience by talking to holiday homeowners each and every day; the Boshers blog is our way of sharing that experience with cottage owners.

Top 100 Short-Term & Vacation Rental Blogs

No matter if it’s the latest legislative changes on credit card payments, updates to fire risk assessments or ways you can encourage more guests to your property during the winter months, we want our holiday homeowner blog to provide you with useful tips you can quickly put in place in order to enhance your guest experience and bookings, whilst also ensuring you’re on top of everything you need to be doing in order to keep your guests safe.

Here are some of our most popular topics…

Health and Safety

As a holiday homeowner you’ll want to make sure that your guests not only have a great time in your cottage but also a safe stay.  With the ever-changing landscape of health and safety regulations and the growing list of areas you need to be aware of it can often be difficult to keep up.  Our health and safety posts are here to help you put the right processes in place and minimise the chances of an accident happening.

Holiday Home Insurance

We of course know the importance of having the right insurance in place for your holiday home.  Have you ever thought about what would happen if your holiday home were to become unavailable during the peak summer months? How about if it were to be involved in a serious fire and need to be rebuilt? Or where you stand if paying guests accidentally damage your furniture?

Our holiday home insurance posts provide you with the answers to questions you might not have thought or be aware of when it comes to your insurance policy. 


Holiday home maintenance

With hundreds of paying guests entering your property over the course of a calendar year it’s understandable that there’ll be a little wear and tear.  No matter if you look after the cleaning and maintenance of your cottage yourself or you live a good distance from the property and employ an external agency, our maintenance tips are all geared toward making sure your property is looking great every time a guest walks through the front door.

Still wanting more?

If you’re still looking for more information and helpful tips for your holiday home, you can find the full Padfinder.co.uk list here:

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444.

technology, insurtech

technology, insurtechTechnology continues to change the way in which we do things and the way we conduct our everyday lives. It can make things easier, simpler and quicker to do, and once the change has happened it can be hard to imagine a time in which it didn’t exist. Just think about the following for a second:

  • A little over ten years ago there were no iPhones – there are now more than two billion smart devices now actively in use across the globe.
  • Go back 20 years and there was no Google – 3.5 billion searches are now made each day.
  • Less than 30 years ago there was no Internet – around 40% of the world now has an internet connection.

Each of these elements has brought with them a common theme; the ability to bring us closer together, to make communication easier and most importantly, more efficiency for us as customers.

So as the term ‘InsurTech’ (where insurance meets technology) begins to be more commonly used within our own industry; how do we use technology to make your experience of transacting insurance via Boshers as quick and easy as possible?

Paper applications and even claim forms are a thing of the past

We know that time for holiday homeowners is at a premium, particularly during the peak summer season months. We want to make the process of renewing your insurance, becoming a new policy holder and making a claim as simple as possible; long paper forms are now a thing of the past, and we won’t even make you go through an online application!

Our team are here to deal with your enquiries over the phone and get you the cover that’s right for your property, as quickly and efficiently as possible.

It’s good to talk

As holiday home insurance specialists each of our team work with and speak to holiday homeowners from across the country each and every day. This means we understand the marketplace, we’re able to quickly and easily identify things that you mightn’t have thought about, and also ensure you have the right cover in place.

You can call any of our experienced team, all of whom have been with us for many years, on 01237 429 444.

Getting your documents to you quicker

Once you’ve spoken with our team you can have your quote, documents and correspondence sent to you by secure email. Waiting two to three days for it to turn up in the post is now very much a thing of the past! That said we’re happy to post them too, if you prefer.

Blogging to support your business

As a business we’ve always felt that we’re not just an insurance intermediary; we’re here to help, support and add value to our policy holders and the holiday letting industry as a whole.  It’s this belief that drives our Holiday Homeowner Blog; we want to provide holiday homeowners with useful information that adds value to their proposition, whilst making the experience for guests safer and more enjoyable.

If there is a topic you’d like to hear us blog about then please do let us know!

Being social

You can also find us on the two most prominent social media platforms; Twitter and Facebook. Looking for more of our blog content? We’ll share it here! Have a question? You can ask us there!  Our social media channels are all about interacting with our holiday homeowners and their letting agents; sharing content that promotes the furnished holiday letting sector and our own blog content we think you’ll find useful.

Holiday homeowners at the heart of our decisions…

Whenever investing in technology we do so with our clients at the centre of our decision making; the question we always ask is, ‘will this improve the service we offer our holiday homeowners?’. In the coming months and years we’ll continue to invest in insurtech; and strive to give you the best service on the market.

Boshers offer specialist holiday home insurance to owners across the UK. For information on how specialist insurance can help protect your holiday home business, call us on 01237 429444.

Accessibility Guides

Accessibility GuidesMost holiday homeowners will be familiar with the traditional ‘Access Statement’. However often this is a cold document outlining all of the specific accessibility features your property has. Visit Britain has now introduced Accessibility Guides to help improve the format of the documents being produced. This is with a view to making them more informative for those reading and digesting their contents.

There are an estimated 13.3 million disabled people in the UK (one in five), therefore the need to help potential guests understand whether your holiday cottage is suitable for their needs has never been greater.

The key to all of this is helping those searching for self-catering accommodation to quickly and easily understand whether your cottage has all of the features they need in order to fully enjoy their holiday.

This won’t just apply to wheelchair users; it could be any criteria that would affect the requirements someone has from your property. Whether that be through a physical disability, hearing loss, having a young family or being elderly. They will all have different needs that some cottages will be able to cater for better meet than others.

The reasons for having Accessibility Guides for each and every holiday home

Let’s take a look at the benefits of having one of Visit Britain’s Accessibility Guides.

  1. Complying with the Equality Act 2010

As a holiday homeowner welcoming paying guests you’ll need to be familiar with, and comply with the Equality Act 2010. If you’re not sure about the Act and what it means for you, then please do take a look at our earlier blog post here:

A key part of the Act is for you to make reasonable adjustments to your holiday home and your business practices in order for it to be easier for disabled guests to use. An Accessibility Guide can be a central axis in fulfilling this requirement by explaining who your property is suitable for and outlining how it meets their requirements.

  1. Providing essential information for people with accessibility requirements

Every person searching for their perfect property has a unique set of requirements. The extent to which your cottage meets a potential guests accessibility needs will go a long way to deciding whether they stay at your property. Failing to communicate the benefits of your accommodation may mean they book another that appears to better fulfills their needs. On the other hand failing to communicate the many steps on the approach to your property or those steep stairs could have a worse outcome. You don’t want people booking your holiday home if it’s unsuitable for their needs. With this in mind, having the most effective way of communicating your own accessibility assets and features can lead to greater levels of enquiries, bookings and reduce complaints.

  1. What if someone else does it better?

If your competitors better explain their offering, then it’s more likely they’re going to get the booking as the visitor knows that the property is the ideal fit for their needs. Having an effective accessibility guides can therefore help get you ahead of other holiday cottages with a similar offering.

  1. Quality Assessment Schemes

Having an Accessibility Statement or Guide is a minimum requirement for all participants in National Quality Assessment Schemes such as those run by VisitEngland, VisitWales and VisitScotland. They also add assurance to those searching for properties and in doing so encourage people to stay with you.

How do you go about writing your Accessibility Statement

Writing a document without a structure or previous experience and knowledge can sometimes be a daunting and time-consuming task. The good news is that VisitBritain have put together a template for their new Accessibility Guides. You can use this useful resource to create your own accessibility guides in the form of a webpage. Follow the links below and begin creating yours:

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444.

Have you had your holiday home chimney swept

Have you had your holiday home chimney sweptMany of us still love a bit of character in a property. For those of us that do there are few better thoughts than a cosy night in front of a fire. During the winter when the air is cooler and the nights are longer a fire or wood burner really appeal. If your holiday home is able to offer this most British of things to those lucky enough to stay in your cottage over the coming months, then now is the time of the year to be getting your chimney swept and ready for action.

There are still approximately 4,000 chimney fires in the UK each year. The most common cause being that the flue has not been swept, or thoroughly cleaned. This particularly applies after long periods of inactivity, such as summer, when birds can often nest in the vicinity of your chimney and quickly cause a potentially serious blockage. So now really is the time to be cleaning yours.

How often should you have your chimney swept?

The answer depends largely on how often you use the wood burner. As it will be your guests, rather than you using it, a good tip is to keep track of how much wood you’ve supplied in order to establish just how much is being used.

If you and your guests light it infrequently, a general guideline is to have it swept once a year.

Is your fire being lit more frequently? Perhaps the location of your holiday cottage warrants lighting the fire most nights. Then it’s sensible to have your chimney swept twice a year. Before you start having fires in the autumn and then again half way through the winter months. This is also the case should you choose to burn more wood, than coal.

No matter what chimney or flue you have, they must be cleaned and maintained. Have your chimney swept at least once a year as a minimum requirement.

Communicating with your guests

Every fire is different, therefore it’s important that your guests are able to handle simple problems that may occur during their stay. As well as spot potentially dangerous situations before they arise.

It’s therefore sensible to leave clear instructions in your Welcome Folder. Not only on how to light and begin a fire, which many people will be already be familiar with. Also on solving common issues associated with a fire such as smoke coming into the room rather than the chimney. This can be caused by cold air within the chimney itself (particularly if the fire hasn’t been lit for some time). If this is the case then your guest will need to initially burn paper and kindling, in order to quickly increase the temperature inside the flue.

Leave clear instructions and suitable equipemt including a metal bin for disposing of ashes.

If your guests are unable to quickly address a fault the fire should be extinguished and remain unlit until a qualified chimney sweep has carried out his or her inspections and indicated it is now safe to do so.

Insurance implications

Our holiday homeowners are covered for damage to their property as a result of fire. We also understand the potentially devastating financial impact having your holiday home unavailable for let as the result of a fire can have on your business. Our loss of income covers you for the potential loss of income you may suffer as a result of disruption or interruption caused by an insured event such as fire.

This means that should you lose trade then you’ll not have to pay the price of the loss of income. Losses through cancellations and periods of not being able to accept bookings will be picked up by your policy.

We also understand that repairs and maintenance after such an event won’t be immediate; that’s why our indemnity period extends to two years.

Be sure to consider closely the implacations of providing solid fuel fires in your fire safety risk assessment.

For more advice on the importance of having your holiday home chimney swept click the link below:

Boshers offer specialist holiday home insurance to owners across the UK. Need an insurance quote for your holiday let? Give us a call on 01237 429444.

Outdoor Play Equipment

Outdoor Play EquipmentWith spring and summer ahead, it will be natural for holiday cottage guests to start spending more time outside. For many families, having the space and facilities for kids to play during their stay is important. For this reason installing outdoor play equipment, if you haven’t already got it, could be a great idea.

If you’re looking to purchase or replace outdoor play equipment at your holiday home or cottage complex, there are a few things for you to consider. Let’s take a look at what those are before you take the plunge…

Invest in quality outdoor play equipment

When it comes to your holiday home it’s essential that you invest in the highest quality equipment available. It not only reduces the risk of accidents as a result of faulty parts or poor construction, it will also last longer, making it a solid long term investment.

We always recommend purchasing any play equipment from a reputable seller, and always follow installation and maintenance guidelines, as tempting as it may be to believe you don’t need the instructions.

Whilst insurance policies tend to come with public liability as standard. You have a duty of care to take reasonable precautions to reduce any potential risks to your guests. Make sure that any play equipment carries the CE or GS mark. Equally it is important that the equipment is installed, maintained, and operated in accordance with manufacturers guidelines. (It’s worth keeping a log of when you last checked it, and other things such as when it is stored inside for winter).

What is the recommended age?

Not all outdoor play equipment is suitable for all ages, so make sure that you’re clear on what age group your outdoor play equipment is suitable for. Ensure that this age is explicitly stated in your welcome information pack, and stress to families that children above and below that age should not be using the equipment.

Essential safety features

Making your new outdoor play equipment as safe as possible. Thus ensuring that your guests have a safe stay in your cottage. Only install equipment that can be secured to the ground. Also it’s important to provide children with plenty of space around the equipment. This is particularly important with items such as trampolines, which will dictate a safe distance in their literature. Check that ropes have protection against wear at their fixing points on swings, and that the sides of slides are at least 64mm high.

Climbing frames must not be any more than 2 metres high. Any equipment that is over 0.6 meters high must have an impact absorbent surface beneath.

Regular inspections

Detailed monthly inspections of play equipment need to be carried out to ensure that it is fit for use. Ropes, bolts, and security must all be checked and repaired or disposed of as necessary. You will also need to frequently clean the equipment.

Always keep a record of when maintenance checks have been undertaken and be sure to have a process for undertaking this activity in place.

Do you have a sand pit?

If you do then you’ll need to be be aware of Toxocariasis, an infection caused by worms commonly found in the intestines of dogs. Children who come into contact with contaminated sand or soil are at risk. We recommend that sand pits are covered when not in use. Animal faeces should be cleaned up at the earliest opportunity. If your accommodation is dog friendly then it’s good to make sure guests are aware of this in their welcome pack.

Check your holiday cottage insurance cover

When making any changes, we always encourage clients to let us know. Play equipment of the type can be found in many DIY stores and some garden centres. Outdoor play equipment carrying the CE or GS mark will generally be fine. It should always be installed, maintained, and operated in accordance with manufacturer’s guidelines. It is always worth getting in touch with your holiday home insurance broker for guidance when adding additional facilities.

Please note that this article on outdoor play equipment and guest safety is only intended as an overview of what you need to be doing in each of these areas.  For further information please contact the relevant authority and read up on all procedures and requirements. Please read the ROSPA guidance which can be found here.

If you have questions about outdoor play equipment and your policy, get in touch on cottages@boshers.co.uk

Boshers offer specialist holiday home insurance to owners across the UK. Require a quote for your holiday apartment, cottage or complex? Please give us a call on 01237 429444.

Loft conversion

Loft conversionIf you’re after more space in your holiday home, then a loft conversion is a great idea. Whether you want an extra bedroom for visitors, or a fun playroom for younger guests, creating a special space at the top of the house will inevitably add value to your property.

Sloping ceilings and small spaces can make loft conversions feel uncomfortable and awkward to style, however it isn’t that difficult to turn a converted loft into a luxurious or fun room.

Small space to attract families

If there isn’t much space and a king size adult double bedroom isn’t an option, consider a single bed with a pull out trundle bed. This will turn the room into a child-friendly space that kids will love by day and provide room for two children to get their heads down at night. A colourful frame will look great against white walls, along with other hints of colour throughout the room. Light walls will stop the room feeling too small, whilst a splash of colour here and there will create a cool den-like room, perfect for younger guests.

See the sky

Want to bring the outside inside? One of the most common features added to loft conversions are skylights. They’ll quickly add light and air to the room, whilst blinds are also easy to add and fit if your guests don’t fancy waking with the rising summer sun.

Luxurious living

Sloping ceilings are inevitable when it comes to loft conversions, but you can easily make it into a feature that works for you and your guests. Add a touch of luxury by installing a canopy over the bed, letting the fabric fall with the ceiling on either side. This will also help add height to the room, as well as making it a light and airy space.

Clear from clutter

Loft conversions look best when they are free from excessive furniture, decorations and ornaments. Good fitted storage will allow guests to store their items, and keep the room looking clear and beautiful. Keeping the colours neutral and light will also help create a spacious and open room; great for those summer visitors.

Attract attention

If the low ceiling is all you can notice, then you’ll need to draw the eye to somewhere else in the room. Turn whatever wall space you have into an eye catching feature with attractive art or a gorgeous feature wall.  Visitors will naturally be drawn to this wall, and low ceilings will no longer be the first thing you spot.

Bright and breezy

If you’re able to, consider converting your loft into a mezzanine and let the natural light from the room below to flow up through the full length space. Whether you’re upstairs or beneath the conversion, the room will feel impressive and incredibly spacious. There may be some restrictions on your ability to do this, however, so always check with building regulations as certain ceiling heights are required for health and safety reasons.

Your holiday home insurance

Be sure to inform your holiday home insurance broker of your loft conversion plans to ensure you have the correct contract works cover in place for the project. You’ll also need to review and revise your buildings and contents sums insured once the works have been completed.

Boshers offer specialist holiday home insurance to owners across the UK. For more information on how a specialist insurer can help and support your holiday home business, please give us a call on 01237 429444.

Why choose Boshers for your holiday home insurance?

Holiday Home Front Door We spend every day talking to holiday homeowners. It’s what we do and as a specialist it gives us a unique insight into the industry and the insurance cover your holiday home really needs.

Whilst there’re many reasons to choose specialist Holiday Home insurance from Boshers, liability cover for paying guests being just one of them, here are three other ways our insurance Policy supports our holiday homeowners when they need it the most.

Full loss of rental income: Included as standard

What would you do if damage to your holiday home meant you were unable to let it during the busiest time of the year? 

If your holiday home becomes uninhabitable as the result of something outside your control such as fire or flood it can have serious financial consequences. With the average holiday home taking 80% of all bookings for the period of May to September the impact can be even greater if the incident falls during the busy summer months.

If the worst does happen our insurance Policy really is here to support you.

Our Loss of Income cover means you’ll not need to fit the bill for the potential loss of bookings and cancellations you have to make while restoring your holiday home to its former glory.

Experience tells us that whilst in an ideal world all bookings would be made early, for some a higher proportion will be taken at the last minute. We’ll be able to look at bookings taken for a similar period in previous years in order to make sure you get the right amount of cover for the losses you’re incurring.

We also know that things don’t happen over night and repairs can take time; our indemnity extends to two years, which is plenty of time to get you back on your feet.

Accidental Damage to Buildings or Contents

What would you do if a guest knocks a bottle of red wine onto your cream carpet meaning it needs to be replaced?

Whilst some wear and tear is inevitable for your holiday home, accidents that leave the property uninhabitable as a result can happen.

In these circumstances you’ll want to find the best possible solution in the shortest possible time so as to minimise potential disruption.

Our Holiday Home insurance Policy covers accidental damage to both the buildings and the contents of your holiday home.  This means that if there is significant damage caused to your property as the result of an accident or even malicious damage by paying guests we’ll support you in getting it sorted.

Theft or Attempted Theft

What would you do if your guests went to the beach for the day and left a window open, resulting in the theft of property from your holiday home?

Guests will often spend a large amount of their time outside of your property, hopefully enjoying the great British countryside or coastline bathed in glorious sunshine. This means that your holiday home will be empty for many hours during the day, making it a potential target for opportunistic thefts.

As many holiday home owners live away from their property it can be difficult to police how seriously your guests treat the security of your holiday home; it can be tempting for example to leave a window open during the day to avoid returning to a stuffy and intolerably hot living room.

If you’re holiday home is the victim of a theft or damaged as the result of an attempted theft we’ll again be able to cover you for the losses you incur.

Always read the Policy

These are just a general overview of how our specialist Holiday Home insurance aims to support holiday home owners. We always encourage anyone looking for insurance to read their Policy document in order to fully understand the cover you have in place and also ensure that when you’re looking for quotes that you are comparing like for like cover.

For further information or if you require a quotation from a specialist for your holiday home insurance call our team on 01237 429444.

How green is your holiday home

How green is your holiday homeThere has never been a better time to reduce your energy over heads and ‘Do your bit’ for the environment. You may have made changes to your home but have you given thought to “How green is your holiday home?

As energy assessors and building surveyors our friends at footPrint Energy Assessments Ltd have experienced the various incentives to aid us all to reduce the amount of energy we use for heating and power. In this brief guest blog, footPrint Energy Assessments introduce some of the incentives and schemes currently available.

There are three distinct phases to the governments push towards a low carbon economy:

  1. Incentives – to reduce energy demand – Now!
  2. Neutral – Loans to reduce energy demand that are paid off by the reduction in energy bills
  3. Penalties – Legislation to enforce energy efficiency

Currently there are numerous incentives ultimately in place to reduce the amount of carbon the UK’s buildings emit, but also help us reduce our overheads – whether you run a business from a commercial premises, own a domestic property or indeed run a furnished holiday letting or buy to let, you may be able to take advantage of the following schemes:

  • Feed in Tariff (FiT) – This scheme offers payments for each kWh of electricity produced by a renewable source (Solar PV, Wind turbine, Water turbine, CHP), in addition a further payment is made for each kWh of electricity exported back to the national grid. The occupier of the building also has the added bonus of free electricity whilst the technology is producing.
  • Renewable Heat Incentive (RHI) – Very similar to the above FiT, payments are made for each kWh of heat produced from a renewable source, this coupled with the reduced heating bill makes a great another great scheme.
  • The Green Deal – A government monitored loan scheme, where the savings made through energy reduction technologies go towards paying off the loan.
  • Energy Company Obligation (ECO) – The scheme is aimed at social housing or people on benefits and is a grant to help pay for more costly energy saving methods that do not fall under the rules of The Green Deal
  • Landlords Energy Saving Allowance (LESA) – As the name implies this scheme is for landlords, the landlord can claim the full cost of installing qualifying energy saving technologies against their tax, up to £1,500 per year for each property.
  • Enhanced Capital Allowance scheme (ECA) – The ECA is for businesses and is similar to the LESA, businesses can claim the full price of the energy saving technology installed against their taxable profits

footPrint Energy Assessments Ltd are a small independent firm that provide energy reduction plans, energy surveys (EPC’s) and environmental plans. For further information about us or any of the above please contact us through our website – www.fdea.co.uk

Holiday home insurance and renewable energy technology

If you have renewable energy technology equipment, such as:

  • solar panels
  • ground or air source heat pumps; or
  • wind turbines

fitted at your holiday home or are considering doing so do check with your holiday home insurance provider to ensure that they are covered for all perils. Boshers holiday home insurance policy wording is wide enough to provide cover for full perils including accidental damage. You will need to ensure that your sums insured are adequate to include replacement costs of the equipment. Should you have any holiday home insurance questions relating to renewable energy pleas call one of our team on 01237 429444.

You may find the following holiday home insurance articles of interest:

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