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We are pleased to announce that we will be moving to newly refurbished purpose built offices on Monday the 22nd November 2010.  

Our new offices have extensive IT and phone sytems to further improve our efficiency and service standards.

That said, it is possible that our phone systems will be down for a time between 3:00pm and close of business at 5:00pm on Friday 19th November.  Apologies in advance for any inconvenience.

Our office opening hours remain unchanged, they are 8:30am until 5:00pm, Monday to Friday.

Please call us on 01237 429444 if we can be off assistance or visit https://www.boshers.co.uk/ for more information.

Our new address is: Boshers Ltd, 14 Habat Enterprise Park, Bideford, Devon, EX39 3HN 
  

We look forward to servicing the home, business, let property and 
holiday home insurance needs of our clients from our new location.
 
Find us here – Boshers Ltd on Google Maps
 

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.

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.

From the news – source Travolution

Holiday Cottages Group (HCG), the UK’s number one holiday cottage rental agency with more than 10,000 properties in the UK, is launching its first TV campaign in three years. The advert will premiere on Boxing Day and run throughout quarter one.

Holiday Cottages Group has reported sales of domestic holidays are up by 12 percent on 2008 and following this success it is looking to strengthen its position further in 2010.

The campaign promotes the cottages4you brand and aims to highlight the benefits of a self catering holiday by focusing on the experiences guests take home with them. Customer research carried out by HCG showed that the main features of a cottage holiday were relaxation, freedom and enjoying being ‘back with nature’. The scenarios depicted in the 40 second advert reflect these feelings and capture the essence of a cottage holiday.

The creative approach will be carried across all marketing channels including direct mail, email and website design. London Underground card panels, newspaper display and online display will also feature within the campaign.

You can see the first cottages4you advert from Saturday 26th December.

Read more here

Mark Lavington, Director of Boshers Ltd | Specialist Holiday Home Insurance advisers, comments; “HCG’s high profile marketing campaign highlighting the benefits of UK holiday cottage vacations is likely to have a knock on effect, thus hopefully increasing web traffic and enquiries for smaller bespoke  holiday letting agents who maximise their Search Engine Optimisation (SEO) and Pay Per Click (PPC) campaigns during Q1 of 2010.”

Holiday Let Restoration Projects Sought By Holiday Cottages Magazine. Are you thinking about turning an old barn, brewery or bakery into a holiday let? Or any other pre-1945 building? If so, and you would like free advice on the project, read on.
In conjunction with Robert Hill of the Historic Building Advisory Service, Holiday Villas and Cottages are planning a new ‘house doctor’ series that welcomes questions from readers about any aspect of planning, building or related matters, and which may interest other readers. In addition Holiday Villas and Cottages are looking for one proposal where an owner is considering a conversion or restoration project that could be used as a case study. If you have either a particular question or a property that has an interesting background and needs expert advice and opinion, please e-mail details and images to info@merrickspublishing quoting ref: Boshers Blog. Should you require advice on holiday home insurance in connection with a conversation please contact Boshers Ltd who will be happy to advise you.  
Click this link to read an article about Historic Holiday Homes in a recent issue of Holiday Villas And Cottages Magazine.

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: