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What do the Covid tiers mean for holiday letting in England?

What do the Covid tiers mean for holiday letting in England?National Lockdown – Stay At Home

On the 4th January 2021 the Government announced a third lockdown in England to control the rapid increase of coronavirus cases. The devolved administrations in Scotland, Wales and Northern Ireland are all taking their own similar measures. For full details of the restrictions affecting you and your holiday letting property use the links below:

England

Staying Away From Home Overnight – “You cannot leave your home or the place where you are living for holidays or overnight stays unless you have a reasonable excuse for doing so. This means that holidays in the UK and abroad are not allowed”.

  • https://www.gov.uk/guidance/national-lockdown-stay-at-home

You can download the England Lockdown – Stay At Home pdf poster here.

Scotland

  • https://www.gov.scot/coronavirus-covid-19/

Wales

  • https://gov.wales/coronavirus

Northern Ireland

  • https://www.nidirect.gov.uk/campaigns/coronavirus-covid-19

It is our current understanding that the government in England will return to the Tier system once the case numbers are under control. The following information is for information purposes only in anticipation of the National Lockdown – Stay At Home rules being relaxed in the future.

What do the Covid tiers mean for holiday letting in England?

The Government set out the local restriction tier system that were in place in England from Wednesday 2 December. The guidance includes what you can and cannot do in each tier. We have pulled out information pertinent to stays in holiday letting properties across England and written this article to help holiday let owners, agents and guests navigate their way through the rules.

Please read in conjunction with the full guidance which can be found here:

Full list of local restriction tiers by area from 2 December 2020 including revisions effective from 31st December are here:

Alternatively you can use the postcode checker here:

It is our understanding that the tiers in which areas are in will be reviewed periodically. The Government has produced new posters for each of the three Tiers to reflect the announcement regarding rule changes. These pdfs are an excellent way of informing guests on the rules and restrictions that are in operation in the areas that your business is located and we have provided links to them below.

Tier Rules in England

TIER 1 – Medium alert

Overnight Stays – Permitted with household support bubble, or up to 6 people.

Accommodation – Open

  • you must not socialise in groups larger than 6 people, indoors or outdoors, other than where a legal exemption applies. This is called the ‘rule of 6’
  • if you live in a tier 1 area and travel to an area in a higher tier you should follow the rules for that area while you are there. Avoid travel to or overnight stays in tier 3 areas other than where necessary, such as for work, education, youth services, to receive medical treatment, or because of caring responsibilities. You can travel through a tier 3 area as part of a longer journey

You can download the Tier 1 Medium Alert pdf poster here.

TIER 2 – High alert

This is for areas with a higher or rapidly rising level of infections, where some additional restrictions need to be in place.

Overnight Stays – Permitted with household or support bubble.

Accommodation – Open

  • you must not socialise with anyone you do not live with or who is not in your support bubble in any indoor setting, whether at home or in a public place
  • if you live in a tier 2 area, you must continue to follow tier 2 rules when you travel to a tier 1 area. Avoid travel to or overnight stays in tier 3 areas other than where necessary, such as for work, education, youth services, to receive medical treatment, or because of caring responsibilities. You can travel through a tier 3 area as a part of a longer journey

You can download the Tier 2 High Alert pdf poster here.

TIER 3 – Very high alert

This is for areas with a very high or very rapidly rising level of infections, where tighter restrictions are in place.

Overnight Stays – We (Government) advise against overnight stays other than with household or support bubble.

Accommodation – closed (with limited exceptions)

  • you must not meet socially indoors or in most outdoor places with anybody you do not live with, or who is not in your support bubble, this includes in any private garden or at most outdoor venues
  • Avoid travelling to other parts of the UK, including for overnight stays other than where necessary, such as for work, education, youth services, to receive medical treatment, or because of caring responsibilities. You can travel through other areas as part of a longer journey

You can download the Tier 3 Very high Alert pdf poster here.

Tier 4 – Stay At Home

What you can and cannot do in areas with a very rapidly rising level of infections, where tighter restrictions are in place.

Overnight Stays – You must not stay overnight away from home. Limited exceptions apply.

You cannot leave your home or the place where you are living for holidays or overnight stays unless you have a reasonable excuse for doing so. This means that holidays in the UK and abroad are not allowed.

This includes staying in a second home or caravan, if that is not your primary residence. This also includes staying with anyone who you don’t live with unless they’re in your support bubble.

Accommodation – closed (with limited exceptions)

  • accommodation such as hotels, hostels, guest houses and campsites, except for specific circumstances, such as where these act as someone’s main residence, where the person cannot return home, for providing accommodation or support to the homeless, or where it is essential to stay there for work purposes

If you live in a Tier 4 area, you must follow the rules.

  • you cannot leave or be outside of the place you are living unless you have a reasonable excuse.
  • You cannot meet other people indoors, including over the Christmas and New Year period, unless you live with them, or they are part of your support bubble.
  • Outdoors, you can only meet one person from another household. These rules will not be relaxed for Christmas for Tier 4 – you cannot form a Christmas bubble in Tier 4.

You can download the Tier 4 Stay At Home Alert pdf poster here.

For for further guidance on controlling the virus visit: https://www.gov.uk/coronavirus

Not a Boshers 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.

Covid-19 Holiday Let Cleaning Guidance

Covid-19 Holiday Let Cleaning GuidanceIn response to the Covid-19 pandemic, the hospitality and tourism industry have pulled together to produce protocols across all sectors, including specific Covid-19 Holiday Let Cleaning Guidance for self-catering properties. The Covid-19 Holiday Let Cleaning Guidance protocols were recently updated (July 2021) and will be kept under review.

Certification and Assessment Schemes

There are also assessment schemes that you can sign up to, including those offered by QIT, The AA and VisitEngland in partnership with the national tourist organisations:

Quality in Tourism (QIT) state that their Safe, Clean & Legal™ scheme assesses everything that a hospitality or accommodation operator needs to do to be compliant with regulation, committed to quality standards and of course safe and clean. Importantly the scheme has been updated to reflect additional standards and requirements for those providing accommodation in the post-COVID era.

There is a modest fee for the QIT scheme, this will get you access to their guidance and specimen documentation together with an inspection by an assessor.

To be eligible for the AA scheme, establishments signing up must meet the AA’s key criteria:

  • Supply evidence of a risk assessment document.
  • Provide clear evidence that relevant safety procedures and measures are in place.
  • Showing that staff training has occurred.

In addition, this free scheme requires completion of an online self-assessment and a sign up to the Covid Confident Charter, a code of conduct that will include a commitment to update procedures and measures as guidelines change, and to submitting to future audits as required.

The “We’re Good To Go” industry standard mark is a self-assessment scheme that has been designed by VisitEngland in partnership with the national tourist organisations Tourism Northern Ireland, VisitScotland and Visit Wales to provide a ‘ring of confidence’ for all sectors of the tourism industry, as well as reassurance to visitors that businesses have clear processes in place and are following industry and Government COVID-19 guidance on cleanliness and social distancing.

High Standards in Holiday Letting  

We recognise responsible holiday let owners have high standards regarding the cleanliness and presentation of their letting properties. Similar applies to complying with legislation and regulations relevant to holiday letting. For example, reviewing fire risk assessments, ensuring electrics are safe, gas appliances and boilers are serviced and certified as gas safe, all form part of a rolling plan.

Duty of Care towards visitors and guests

You will also understand your duty of care towards all visitors to your property and ensure that it is as safe as you can reasonably make it. This includes taking reasonable steps to protect and maintain the property, prevent damage or injury and comply with laws, by-laws or regulations. Clearly in a post-Covid world the duty of care extends to taking reasonable precautions to minimise the risk of the virus being spread from one group of guests to another. Hence the importance of adopting relevant protocols such as those detailed in the Covid-19 Holiday Let Cleaning Guidance.

What do the self-catering Covid-19 cleaning guidelines cover?   

Bodies representing all aspects of the hospitality and tourism sectors, including those who represent self-catering, have devised specific sector guidance to support reopening following the lockdown.

This includes guidance on:

  • Risk assessments
  • Risks of Legionella
  • PPE and Cleaning Equipment
  • Cleaning Protocols
  • Cleaning Checklists

Who compiled the cleaning guidance?

The Government Department responsible for Tourism, DCMS produced headline guidelines. The overall guide was prepared by UKHospitality and the self-catering sector information was provided to them through a collaboration between:

  • PASC UK (Professional Association of Self-Catering UK)
  • ASSC (Association of Scotland’s Self-Caterers)
  • WASCO (Welsh Association of Self-Catering Operators)
  • Tourism Alliance
  • Wales Tourism Alliance
  • Scottish Tourism Alliance
  • Premier Cottages

We understand these guidelines will also be used by Visit England and The AA

Where can I download the guidance?

The cleaning guidance is reassuringly robust and free to access via The Professional Association of Self-caterers (PASC), follow the link below:

Adopting, documenting and following these or similar cleaning protocols will help fulfil your duty of care towards your holiday let guests and visitors. Each holiday letting property is unique, your risk assessment will be too.

For for further guidance on controlling the virus visit: https://www.gov.uk/coronavirus

Not a Boshers 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.

 

unoccupied holiday homes

Temporarily Closed Holiday Letting Properties – Updated 17th March 2021

We appreciate the significant impact that government measures to control the spread of the coronavirus is having on all businesses, not least self-catering accommodation providers and the wider hospitality and tourism industry.

With much of the UK having experienced heavy rain, snow, flooding and prolonged periods of cold / freezing weather over the past few months, risk management is especially important to avoid or minimise losses and disruption to future holiday letting at your property.

We’re here to support you

We just want to reassure you that we‘re here to support you in protecting your holiday letting property in the long term, so that when it’s safe to do so it’ll be ready to open.

So by, following the steps below whilst your self-catering property is closed to guests due to Government guidance, your cover will remain unaffected.

We do however recognise that there may be circumstances where it’s not possible for you to comply with your policy conditions, where this is the case it’s important that you contact us in order that we may discuss and agree an appropriate approach with your insurer.

Arranging for holiday letting properties to be inspected

If you do not live on site or are not local to the holiday let property, we hope that you have been able to arrange for someone in the local area, for instance a neighbour, managing agent, a housekeeper or contractor to visit your holiday let property to make the necessary internal checks on your behalf at least every 14 days.

During the winter period there are often gas safety checks, electrical inspections or other routine maintenance required to be carried out at the property. These visits can also be opportunities to have internal inspections carried out on your behalf if the contractor is happy to do this and report back to you.

At the time of writing, the latest Government guidance (which can be found here) clarifies that whilst a business may be closed to customers, closed premises can still be accessed for certain purposes including:

  • Maintenance, where this is reasonably necessary; and
  • Other work to ensure business readiness to open.

In addition, where it is unreasonable for a person to work from home they are permitted to travel to work, provided this can be undertaken safely and in line with the latest Government guidelines.

Unoccupancy Conditions

Insurers expect that you continue to arrange internal inspections of your property and comply with the unoccupancy conditions. With respect to your holiday home insurance policy underwritten by Ecclesiastical this means that:

  • whilst the property is untenanted it must be inspected internally at least every 14 days by an authorised adult on your behalf;  AND
  • during the months of October to March inclusive, the heating system must be brought into constant operation to maintain a room temperature of at least 7 degrees Celsius throughout the property OR the water must be turned off at the stopcock inside the property and the domestic system drained and other services such as electricity or gas disconnected (other than as necessary to maintain central heating and security systems).

The consequences if you fail to fulfil the above conditions:

If you fail to fulfil the above conditions cover will be to damage by Fire lightning explosion earthquake and by any aircraft flying object (or items dropped from them) vehicle train or animal colliding with the buildings.

We know from many conversations that we have had with policyholders during the pandemic that the majority of holiday home owners have made arrangements to comply with the heating and inspection conditions detailed above.

Ecclesiastical have provided some reassurance and risk management guidance within a statement of intent which has been published on their website:

We hope that this provides the reassurance you need. If this action is insufficient to meet your insurance needs or if you are unsure about any other insurance issues, please speak to one of the Holiday Home Insurance Team on 01237 429444.

Any further updates or extensions will be posted on our website here.

 

Enhancements ended 02/12/2020

The following enhancements were only introduced for the duration of the English national lockdown period that ended on 2/12/20. These have therefore ceased and, for the avoidance of doubt, do not apply in respect of any tiered restrictions:
Premises that are temporarily closed solely due to the COVID-19 outbreak
Buildings that are temporarily closed/no longer in regular use are exposed to different and usually greater risk than occupied premises and premises that are open for regular trading.
Our standard policies define “unoccupied” premises and apply standard restrictions in cover and conditions precedent to cover that need to be complied with. Normally a higher premium is charged on unoccupied premises.
To ensure customers were not unduly penalised for temporary closures solely due to the COVID-19 full lockdown restrictions the normal terms and conditions applicable to unoccupied premises were not applied to premises that were temporarily closed.
Temporarily Closed meant premises temporarily closed solely due to the COVID-19 outbreak (and such premises were not regarded as unoccupied as defined in the Policy) during the period when the dispensations applied.
With effect from 2/12/20 temporarily closed premises must comply with all policy terms and conditions, including (but not restricted to) unoccupied premises conditions, where they fall within the normal policy definition of Unoccupied.
 
Please note:
1) The start of any period of unoccupancy begins from the date the premises first became unoccupied (not from 2/12/20).
2) If a premises qualifies as unoccupied on 2/12/20 the insured must comply with all policy terms and conditions for unoccupied premises immediately from 2/12/20 to maintain cover in line with the policy (unless otherwise agreed or varied by us in writing).
3) Premises that are not yet open to customers/other service users, or not yet fully used in the normal way for that premises, but does have daily occupation in line with normal working hours for that premises (such as admin/office functions are now operating, or there is a daily presence in preparing for normal operations to re-commence), will not be deemed unoccupied.
See the policy definition of Unoccupied for more details.
If in doubt please contact us via your normal channel of communication.

Outstanding risk improvements, periodic conditions and maintenance conditions – re-apply from 2/12/20 and all dispensations cease

We temporarily suspended compliance with risk improvements by the deadline specified by us, and other policy terms requiring regular maintenance or inspection, where these could not be completed during the COVID-19 lockdown because of the restrictions on movement and/or the lack of availability of contractors.
With effect from 2/12/20 the suspension of compliance will cease. Any policy term that requires regular maintenance or inspection re-applies from 2/12/20.
 
If the re-set deadline is not sufficient for any reason please contact us immediately.

Temporary cover enhancements for unoccupied holiday homes (Enhancements ended 02/12/2020)

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, 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

  1. rectify as soon as is reasonably possible any defects in the fabric of the building or any protective or security devices or installations
  2. 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 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.

holiday let bookings and coronavirus

holiday let bookings and coronavirusHoliday homeowners and holiday letting agents alike are understandably concerned about the potential for the disruption which coronavirus (Covid-19) may cause. Boshers have put together a list of frequently asked questions (FAQ’s). Hopefully these will help to clarify the position with respect to holiday let bookings and coronavirus. This includes details on cover provided by our holiday home insurance policy together with wider implications.

Whilst the primary concern for the disruption which coronavirus may cause is loss of income due to cancelled bookings, owners are also concerned about their liability towards guests and cleaning contractors. Hopefully these FAQ’s will help to clarify what is and isn’t covered under your holiday home insurance policy.

Holiday Let Bookings and Coronavirus – Frequently asked questions?

Q1. Does my policy include any cover for loss of rental income if the holiday home is directly affected by a `disease outbreak’?

There is some cover within the policy for loss of income as a result of a `specified disease’. The definition of specified disease specific to the loss of income cover is detailed in the policy wording. You can view the policy wording on our website here: https://www.boshers.co.uk/holiday-home-insurance/

Update: For clarity, the Specified Disease cover in the holiday home insurance policy was removed for new policies and renewals from 1st September 2020. This is because following significant disruption caused by the COVID-19 Pandemic, our insurers, and in turn their reinsurers, have advised that such occurrences are not within the remit of standard commercial package policies. Whilst we understand that you would wish to include Loss of Income protection against a similar reoccurrence, we are unable to provide cover for any loss damage liability cost or any other sum of whatsoever nature arising from any form of infectious or communicable disease closure. This exclusion also removes the previously provided ‘specified diseases’ cover at or within 25 miles of your premises. These changes are detailed in this update to the policy wording.

Q2. Is Covid-19 a specified disease for the purpose of the policy wording?

No – In common with most other insurers, Covid-19 is not a specified disease in our policy wording. The extension under the loss of income section of our policy for `specified disease’ is based on a specific list of diseases which does not include new and emerging diseases like Covid-19. 

Q3. What about the fact that Covid-19 has been declared a `notifiable disease’ by the Government? 

Even though the Government has declared Covid-19 as a notifiable disease, this does not change the insurance position under the policy. As the chancellor said, you cannot retrospectively change contracts of insurance at this time without threatening the future of the insurance industry.   

Our holiday home insurance underwriter Ecclesiastical will continue to offer cover for `specified disease’, rather than for ‘notifiable’ or any infectious or contagious disease such as coronavirus. We are sorry that it is not economically viable to provide cover for pandemic viruses such as Covid-19, but with this approach you can be clear on what is and isn’t covered.

Q4. What if guests are prevented from taking up their bookings because they have been quarantined due to coronavirus?

There would not be cover under your policy as this is a booking your guests cannot fulfil. You would need to check your booking cancellation terms and conditions to determine how much refund your guests would be entitled to, if any. It may be that they can claim for the cost of the booking under their travel insurance if they have a policy in force. Travel insurance may cover non-refundable cancellation costs, in specific circumstances. These may include medical advice against your guest or a member of your guests’ group from travelling or government advice against travelling. The ABI have issued some information for travellers here: https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-qa/

Q5. What if guests choose to cancel their holiday because they are disinclined to travel because they are concerned about coronavirus?

In a similar manner to Q4 above, there would not be cover under your policy. This is a booking your guests are choosing not to fulfil. You would need to check your booking cancellation terms to determine how much refund your guests would be entitled to, if any. In this instance the guests’ travel insurance would not cover them as travel insurance is not designed to cover ‘disinclination to travel’ , where the Government advice has not changed to advise against travel.

Q6. What if guests currently staying in the property are forced to stay on because our area comes under quarantine?

There would not be cover under your policy as coronavirus is not a specified disease in our policy wording. In any event, it is unlikely that individuals will be prevented from travelling home at the end of their holiday. If a guest contracts coronavirus whilst on holiday it would be reasonable to expect them to return home to self-isolate.

Q7. How about liability cover?

Subject to the terms and conditions of Boshers Holiday Home Insurance policy, the Employers’ and Public Liability cover provides an indemnity to the policyholder if the policyholder is held legally liable for accidental bodily injury or illness arising in connection with the policyholder’s business of holiday letting.  

Q8. Should I ensure that my holiday home is deep cleaned on changeover day?

You have a duty of care towards any visitors to your holiday home to ensure that it is a safe environment. By taking reasonable steps to make sure that your holiday home is cleaned in accordance with Public Health guidelines, you will be fulfilling your duty of care. The best source of cleaning guidance can be found here:

The situation surrounding coronavirus is developing rapidly. It’s best to regularly check the government’s official guidance which is reviewed daily and updated frequently. If you are already a Boshers Holiday Home Insurance client and need any additional guidance on holiday let bookings and coronavirus by all means give our team a call on 01237 429444 or contact us by email. Equally if you have any holiday letting insurance related questions regarding coronavirus that we haven’t answered above, get in touch and we’ll do our upmost to answer them.

Not a Boshers 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.

coronavirus hand hygiene

coronavirus hand hygiene In late January reports began to emerge of the presence of a potentially deadly virus in the city of Wuhan, China.  Since then the continued spread of Coronavirus (now clinically known as COVID 19) has shown no signs of abating, with more than 167,511 people across the world testing positive for the virus and the death toll rising to 6,606 (1000 16th March 2020).

To date (0900 on 16th March 2020) there have been just 1543 confirmed cases in the UK, so while it’s important not to panic, it’s vital to be vigilant to stop any potential spread of the virus in its tracks.

What is Coronavirus?

The World Health Organisation define Coronaviruses (CoV) as a family of viruses that can cause illness, ranging from the common cold to more severe conditions, such as Severe Acute Respiratory Syndrome (SARS).  The COVID 19 strain detected in Wuhan is a newly found strain of this family of viruses, with the most commonly reported symptoms including a fever, cough and a shortness of breath.

Based on similar viruses, it’s predicted that these symptoms will appear within two to 14 days of exposure, which is why you may have seen on television and newspaper reports that individuals thought to have come into contact with the virus have been quarantined in the Wirral and Milton Keynes for a period of two weeks, in order to attempt to potentially prevent it spreading further.

What do you do if you’ve got guests visiting from Asia?

The UK Chief Medical Officers are advising anyone who has travelled to the UK from mainland China, Thailand, Japan, Republic of Korea, Hong Kong, Taiwan, Singapore, Malaysia or Macau in the last 14 days and is experiencing cough, fever or shortness of breath to stay indoors and call NHS 111, even if symptoms are mild.

If you have guests that are visiting from these areas, it’s important that they’re aware of this procedure and that they know the NHS 111 number to call during their stay.

Other measures you can take

No matter if a virus is airborne or spread by human touch, there are a number of simple and easy steps you in make in your holiday home:

  • Introduce a hand sanitiser

You’ll notice that as soon as there’s any form of viral outbreak, whether it’s in an office, hospital or anywhere people congregate, the first measure put in place is the introduction of hand sanitiser — there’s a very good reason for this! Viruses can live on surfaces for long periods of time (some for as long as a week!), meaning that if someone infected touches an item such as a coffee cup or glass, the next person to touch it can catch the virus, even if it’s sometime later.

  • Make sure you have sanitiser in the hallway / entrance to your property

The entrance to your holiday home is most commonly the place that people will be touching things (think door handles) with unwashed hands. Stopping bugs and germs at the front door is the best way to make sure they don’t travel throughout your cottage.  

  • Damp clean all radiators and air vents

The warm and humid air found inside radiator vents can provide viruses with the perfect place to survive and thrive. When you clean these, make sure you use a damp cloth or cleaning item rather than a duster, which can very quickly send the virus airborne within your holiday home.

  • Make sure your changeover is thorough

The majority of holiday homes have a thorough changeover regime, however this time of year when less guests are booked into your holiday home provides an opportunity to have a review and update that checklist. Any surface that goes uncleaned is an opportunity for colds and other viruses to lurk!

For more information and daily updates on Coronavirus please visit:

Guidance for environmental cleaning in non-healthcare facilities exposed to Coronavirus visit:

What about loss of income and liability insurance – am I covered?

We have compiled a list of FAQ’s regarding Boshers holiday home insurance cover and coronavirus which you can read here:

If you would like to discuss specialist holiday home insurance for your property, please give our experienced team a call on 01237 429444.

Furnished Holiday Lettings - A Tax Guide - 4th Edition

Furnished Holiday Lettings - A Tax Guide - 4th EditionThe holiday cottage industry brings with it a unique set of circumstances; as providers of specialist insurance for holiday letting owners such as yourself, we understand how to make sure you have the cover that you need, when you need it.  We also appreciate the value that other specialists can add to your holiday cottage business, holiday letting tax and accountancy is certainly one of these.

Owners need to be aware of the latest holiday letting tax legislation and advice in order to make the most of their investment and attempt to gain greater returns.  But how do you keep up to date with this ever changing complex and evolving area?

New edition of Furnished Holiday Lettings – A Tax Guide

If you’re wanting to better understand your tax position as a holiday homeowner, we’re delighted to announce that we’ve teamed up with Claritax Books and tax accountant John Endacott to provide you with the facility to purchase a copy of the latest edition of Furnished Holiday Lettings – A Tax Guide.

This informative book is a practical guide to the tax rules relating to furnished holiday homes and includes comprehensive information on:

  • The background to the tax rules
  • Property letting or trading?
  • Meeting the qualifying criteria
  • Furnished holiday letting in the EEA
  • Sale of a property
  • Holiday lets and exemption from inheritance tax
  • Succession planning for Furnished Holiday Lettings
  • Rates, VAT and other UK taxes

The 3rd edition was 25 – 30% longer than the previous edition and encompassed the latest thoughts on:

  • business structuring to reflect the growth in corporate ownership of property businesses,
  • the impact of increasing number of overseas owners,
  • consideration of the government’s various measures that have increased property taxes on residential property in recent years

It also includes the latest cases on the tax status of holiday lets for income tax and inheritance tax.

This 4th edition contains even more material, including:

  • Capital gains tax changes including new business asset disposal relief, main residence relief reductions and accelerated payment of tax;
  • Latest tax cases on business property relief – Graham and Vigne;
  • Non-residents – NRCGT, SDLT surcharge for overseas purchasers and Brexit;
  • Capital allowances changes – structures and buildings allowances and writing-down allowance reductions;
  • Update on trading status position following anti-avoidance cases and Covid-19 government intervention measures; and
  • VAT developments and small business rates relief changes as well as Covid-19 measures.

Although tax can often be complicated and confusing, you’ll find a number of specifically tailored examples which explain the taxation implications of owning and running a furnished holiday letting property, and the decisions you take each year. Whilst the book isn’t a substitution for taking professional advice from your accountant, it will arm you with knowledge to help you better understand the complexities of holiday letting tax.

The book itself is suitable for any of the following:

  • Existing furnished holiday letting owners
  • Prospective holiday home purchasers looking to let their second homes
  • Those considering converting barns or out buildings into furnished holiday lettings

How do I obtain a copy of Furnished Holiday Lettings – A Tax Guide – 4th Edition?

To order your copy now please click here.

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.