This category is for Boshers Insurance News and articles about Boshers the Holiday Home Insurance Specialists. They are of interest to owners of holiday homes, cottages and holiday complexes across the UK which are used for holiday letting.

Articles include updates on Boshers and news and notifications about the insurance market of interest to owners of holiday lets.

Check out these posts, using technology to give you a better insurance service, Boshers listed in the Top 100 Short Term vacation rental Blogs and Holiday Homeowners encouraged to take action as wintry weather takes hold.

Boshers Insurance Services renews underwriting contract with Ecclesiastical UK

We are pleased to announce that Boshers has renewed its facility with Ecclesiastical UK for a further three years, with the potential of extending to five years.

The Boshers scheme went to competitive tender for the first time in its 35-year history with Ecclesiastical UK. The tender process saw several strong contenders put bids in for underwriting the Boshers Holiday Home Insurance scheme. Boshers’ parent company, Lloyd & Whyte, oversaw the tender which had strong competition amongst its strategic insurer partners.

After receiving presentations from several insurers and following a scoring process, Lloyd & Whyte confirmed Ecclesiastical as the successful insurer.

 

David Hockey, Schemes and Partnerships Director at Ecclesiastical Insurance, said:

“We’re proud to continue our long-standing partnership with Boshers, which has now spanned more than three decades. Following a competitive market review, this renewal reflects the strength of our shared commitment to delivering specialist insurance solutions and outstanding customer service. We look forward to building on our success together and providing even greater value for holiday home owners across the UK.”

 

This continued collaboration means that Boshers’ clients will benefit from an enhanced wording and additional specialist covers for UK holiday homes, making the partnership a great growth outcome for all.

 

“We are delighted that we have renewed the facility with Ecclesiastical UK – our long-standing partner – with a rich heritage in property insurance. Following a competitive tender process and scoring system, where we had excellent presentations from the market, we have now secured an enhanced offering from Ecclesiastical, which brings to life their award-winning claims service and underwriting expertise.”

Jason Jackson, Head of Boshers Insurance

 

/by

Insurance essentials for overseas holiday lets


Owning an overseas holiday home is a big investment, so ensuring that you have the correct insurance is essential. Standard home insurance policies often would not cover some of the key areas to help protect your overseas property, so making sure that you understand the specific insurance requirements is vital before buying your property so you can protect yourselves from any costly surprises.

Buildings & Content Insurance

Building Insurance is essential. It covers the physical structure of the property including floors, windows, walls, fixings etc. Building cover protects against risks, which include:
– Fire damage
– Storm and flood damage
– Malicious damage
– Escape of water

If you own a holiday home, there may be periods of unoccupancy which is why you need to have the right security protection in place. These security measures could be things such as alarms, approved locks, and/or regular inspections. To get the right cover in place, make sure you have a clear understanding of the information you need to provide us, including the security measures you will be using.

Contents Insurance covers the items inside your overseas holiday home, from furniture to personal belongings. If your holiday home is furnished, having contents insurance is something you need to keep in mind because it provides protection against accidental damage if something were to happen. Contents cover may include things such as, furniture, electrical items, carpets & curtains, even items that are left for guests to use.

Public Liability

Public Liability cover is vital for covering any injury to a guest or visitor whilst they are staying at your holiday home. This could happen by a guest slipping over, a trip from uneven steps, or an injury due to electrical faults. Public Liability insurance covers claims and legal costs if someone were to get injured whilst staying at your property.

Loss of income

Loss of rental income cover is one of the most valuable yet often overlooked protections for holiday let and furnished holiday letting owners. If your property becomes uninhabitable following an insured event, such as a fire, storm damage, escape of water, or a break-in, you could be left unable to accept bookings while repairs are carried out. Without this cover, you would still face ongoing costs like your mortgage, utilities, and maintenance, all while losing the income that bookings would otherwise bring in.
A good loss of rental income policy will typically reimburse you for the rental income you would have earned during the period your property is unfit to let, following an Insured claim, up to a specified limit and time frame, often 12 to 24 months depending on your policy. Some policies also cover the cost of relocating existing guests to alternative accommodation if a booking is disrupted mid-stay.
For holiday let owners, where income is often seasonal and heavily booked in advance, this protection can be the difference between weathering an unexpected setback and facing serious financial strain. It’s always worth checking your policy’s specific terms, indemnity period, and any exclusions, so you know exactly what you’re covered for.

 

Accidental & Malicious damage

Due to the occupancy changes in your holiday home, accidental damage can be a common risk. Most specialist policies cover accidental damage, whereas standard home insurance policy may not.

Examples of accidental damage could include:

– Wine spilled on the carpets
– Water damage from overflowing of the sink
– Windows broken due to playing ball games
However, malicious damage is caused deliberately. If guests are staying at your holiday let and purposely damage something, this may be covered under your malicious damage cover.

Examples could be:

– Smashed windows, TVs or electrical items
– Vandalism
– Deliberate damage to walls/doors
Any damage that is caused by guests, your insurance can cover it but only if you can prove it was done by your guests and it meets the policy conditions.

Boshers has specialised in Overseas Holiday Let Insurance for over 35 years, offering genuine understanding of the unique risks holiday let owners face. Their policies are tailored specifically for holiday lets and holiday homes both in the UK and in Europe. With knowledgeable staff providing personal advice rather than generic call-centre service. With strong industry relationships and a reputation built on expertise, Boshers offers holiday let owners’ confidence that their cover truly fits their needs.

For a no obligation insurance quotation or to find out more about how we can help you protect your home away from home, contact us today.

Call: 01237 429444
Email: info@boshers.co.uk

/by

What is holiday home security insurance?

When you’re protecting your holiday home or holiday let, there are security measures you can take to safeguard your home away from home when it is left unoccupied. There are also steps you can take to mitigate the risk of theft and property damage if you let your property to guests (known as Short Term Rentals (STRs)).

With over half of all burglaries (59%) in the UK gaining access to properties through the front of the house, it makes sense to secure your front access points using the best methods available.1 And, with guests coming and going throughout the year, holiday homes face security challenges that long-term rentals simply don’t. Taking a proactive approach to security not only protects your investment but also gives your guests peace of mind during their stay. Here’s what every holiday let owner should consider.

breaking in holiday home security insurance

Lock Down

Many insurers require a certain standard of locks used in property left unattended for certain time periods. If you overlook this aspect of securing your holiday home and fail to disclose the correct information regarding your locks to your insurance broker, you could face serious issues should you need to make a claim.

Call: 01237 429444

Or visit: boshers.co.uk/contact/

Fit secure window and patio door locks

While front and back doors usually being the most vulnerable points of entry, windows and patio doors need to be locked properly. Make sure all windows, especially ground floor or accessible ones are fitted with secure locks. Patio doors need to have additional security features like anti-lift devices or internal locking bolts. These are inexpensive upgrades that close off some of the most exploited weak points in a property’s defences.

When you’re choosing locking systems for your buildings, go for locks that meet British Standard BS3621.2   These will need to be installed on at least all main doors and windows. Insurers require locks to meet certain standards because they provide protection against a range of burgling methods, including:

  • Lock snapping
  • Prying open and lifting patio doors
  • Lock picking/bumping

 

Security controlled keys

Managing keys for an STR property can be a daunting task, especially if you have multiple guests coming and going. An efficient key management system ensures that you can provide secure access to your guests while maintaining control over your property’s security. This might include being able to generate short-term codes or ‘digital keys’, offering you the ability to allow entry during set periods like a hotel does.

If you do use physical keys, it’s advisable to use keys which are ‘controlled’, meaning that a guest, or anybody else, is not able to make a copy without your knowledge. If they are not ‘controlled’, there could be multiple additional copies in existence that could be used to gain access and, for example, steal possessions.

 

What is a controlled key?

A controlled key, or a restricted or patented key, is a key that can’t be freely copied at a standard hardware store or local locksmith. These keys are heavily restricted and registered with the manufacturer, ensuring that duplicates can only be made for authorised individuals with proper identification and signature verification. Examples of controlled keys can be found here: www.lockshop-warehouse.co.uk/info/choosing-security-products/authorised-key-control-explained/

Taking these steps doesn’t just reduce the risk of theft or unauthorised access, it also forms an important part of meeting your insurer’s security requirements, helping to ensure that your Holiday Let cover works when you need it to. If you’re in any doubt about the type of locks and keys you need to use as a Holiday Home or Holiday Let owner, talk to us. The Boshers team have a wealth of experience in advising on home security in relation to your insurance coverage.

house holiday home security insurance

 

Change locks between tenancies or after a security breach

If you’ve had a long-term tenant move out before switching to short-term lets, you can’t know how many spare keys were made during a previous tenancy, and ex-tenants or their contacts could still access the property. Make sure you replace the locks before your first holiday booking and get controlled keys made for your property.

Similarly, if you ever suspect a key has been lost, stolen, or copied without permission, don’t wait; arrange a lock change as soon as possible to secure the property. With a constant turnover of guests, this is one area where it pays to be cautious rather than complacent.

 

Keep spare keys secure

Every landlord needs spare keys but storing them safely is crucial. Never hide spare keys under plant pots, doormats, or outdoor ornaments, as these are the first places a thief will look. Instead, use a high-security key safe or entrust them to a reliable locksmith who offers key-holding services.

security holiday home security insurance

Install a burglar alarm

A monitored burglar alarm works alongside good lock security rather than replacing it. An alarm that’s triggered the moment a door or window is forced provides an immediate, audible deterrent that can be enough to send a burglar elsewhere before they’ve had the chance to steal anything. Many systems can now also send instant alerts to your phone, meaning you, or a local key holder or property manager can respond quickly if you don’t live nearby.

For unoccupied periods between bookings, when a property may otherwise look empty and vulnerable, an alarm system is particularly valuable. Some insurers, including Boshers, recognise the reduced risk that comes with a properly installed and maintained alarm system, so it’s well worth checking whether fitting one could also help with your premium.

 

Strengthen the perimeter with boundary fencing and gates

Security shouldn’t stop at the building itself. Solid boundary fencing and secure gates create an important first line of defence, particularly for properties with gardens, driveways, or outdoor amenities like hot tubs and barbecue areas that guests and burglars could access. Fencing that’s sufficiently high, free of obvious footholds, and well maintained makes a property considerably harder to access than one with low or broken boundaries.

Where a property has off-road parking or a driveway, a lockable gate adds a further layer of protection for vehicles and outbuildings alike, and signals clearly that the property is well looked after and security conscious. For coastal and rural holiday homes and holiday lets where neighboring properties may be some distance away, strong boundaries and gates do much of the work that overlooked, built-up areas achieve naturally.

External buildings

Holiday homes often come with sheds, garages, or outbuildings that store valuable items like garden equipment, outdoor furniture, or bicycles. Make sure these are properly secured with high-quality padlocks, hasps, or ground anchors to prevent opportunistic theft.

 

Post(s) piling up?

Professional burglars often research homeowners’ movements via their social media accounts. Don’t post about your holidays and away-from-home activities until you return home. Another clue pointing to an unoccupied property is mail piling up. Cancel or divert your posts and parcel deliveries for the time you’re away to avoid it piling up by the front door.

 

If you’d like to discuss your Holiday Home or Holiday Let Insurance with the Boshers team, contact us today. Our experts can help source and arrange property insurance that covers all bases.

Call: 01237 429444

Or visit: boshers.co.uk/contact/

 

  1. https://www.get-licensed.co.uk/get-daily/break-in-breakdown/
  2. https://www.rjparkerlocksmith.co.uk/is-your-airbnb-or-holiday-let-secure-locksmith-advice/

 

/by

Boshers supporting ChemoHero: Making a difference together

The Boshers team based at Bideford in Devon, were proud to recently spend time at ChemoHero’s local warehouse, helping to pack their much-loved “boxes of kindness” for people about to begin chemotherapy treatment. Getting hands-on with this incredible local charity gave our team a real insight into the care, thought, and compassion that goes into every box – and reinforced why supporting ChemoHero is so important to us.

ChemoHero is a North Devon–based charity founded in 2014 by Lisa Wallis, following her own breast cancer diagnosis in 2012, just one day after her 30th birthday. Like many people facing cancer, Lisa and her husband Rob found themselves unprepared for the realities of treatment. During chemotherapy, Lisa experienced difficult side effects and long hospital visits but also witnessed the kindness of nurses and the vulnerability of patients starting their treatment journey alone.

Inspired by her own experiences, Lisa set out to find a way to support others at this daunting time. Through research and lived experience, she created a list of practical and comforting items designed to help patients manage treatment side effects and feel cared for during hospital appointments. That idea became ChemoHero.

The first boxes were funded by a Christmas Market at Petroc College, where Lisa taught, and packed in her front room by Lisa and Rob before being delivered personally to patients. Even when Lisa’s cancer returned in 2015, this time in her bones, her determination never faltered. With the help of volunteers and the local community, ChemoHero became a registered charity in 2016.

Today, ChemoHero works closely with the Seamoor Unit at North Devon District Hospital, where nurses gift a box of kindness to every patient starting chemotherapy. Each box contains over 40 items – some practical, some luxurious – with a total value of more than £150. Since launching, over 3,500 boxes have been gifted UK wide, making treatment days a little easier for patients across the UK.

Sadly, Lisa passed away in August 2021, nine years after her diagnosis. Her legacy lives on through ChemoHero and the thousands of people her vision continues to support.

Boshers have provided Insurance services since 1976 and Holiday Home Insurance for 35 Years. We like to get involved with the community, so we are delighted to support this inspirational charity, and we are especially proud that the Benefact Group, of which Boshers is proudly part, will match fund any donations raised by the Boshers team. This means every contribution will have double the impact, helping ChemoHero continue Lisa’s mission of kindness, care, and community support.

 

 

Supporting communities

Over the past decade, the Benefact Group has become the UK’s third-largest corporate donor, underlining its long-term commitment to charitable giving and community impact. Boshers is proud to be part of a group that places social responsibility at the heart of everything it does.

You can explore the Benefact Giving Map to find a charity near you by visiting givingmap.benefactgroup.com.

 

If you would like a quote for Holiday Let Insurance, contact our team today – we’re always happy to help.

Call us: 01237 429 444

Email us: info@boshers.co.uk

 

 

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.

/by

Specialist Holiday Let Insurance for the UK and Europe

If you own a holiday let complex, multiple holiday rentals, or self-catering accommodation in the UK or abroad, talk to our team today. We can advise you on the best course of action you can take around Commercial Holiday Let Insurance for your property.

 

What makes us specialists?

Boshers Insurance has been providing Insurance since 1976, and specialist Holiday Let Insurance for over 35 years. Decades of experience means we’re well placed to not only source but advise on your Holiday Let Insurance. This can ensure you are properly protected and can avoid the pitfalls of underinsurance, inaccurate insurance, and even gaps in your cover.

So, whatever your property type, whether it is cottage in Scotland, or an apartment in Portugal, you can get our help as professional intermediaries to arrange accurate cover for your property. And we don’t stop there. Should you need to make an insurance claim we can advise and guide you through the process, ensuring that a quick settlement is made.

Owning a Holiday Let can be a great way of making extra income. Or it might be your primary business, which you rely on to live. Either way, your business needs financial protection that won’t let you down.

 

You will need Holiday Let Insurance if you own a holiday home or cottage complex which you rent to paying guests for short-term holidays, usually for 31 continuous days or less.1

 

 

Buildings & Contents

Boshers can provide you with high quality cover for your Buildings & Contents. You can choose from Buildings, Buildings & Contents, or just Contents Insurance, although we strongly recommend that you arrange cover for buildings and contents if your holiday let is furnished.

If you run multiple holiday rental properties or self-catering accommodation, Buildings Insurance covers your property for fire, storm damage, flood, theft, and malicious damage. Contents Insurance can cover any moveable items in your property around damage or theft.

 

Holiday Let Facilities and Activity Equipment

If you have made additions to your property with facilities such as games rooms, outdoor play areas, hot tubs, or a swimming pool, you’ll need cover to protect them from accidental damage. Liability Insurance is also key to covering your back around any injuries or accidents related to high-risk areas such as play areas and swimming pools.

 

 

Public Liability Insurance

This policy will specifically protect you for litigation around injuries or illness caused by your business. For example, if a child slips whilst running around your swimming pool and breaks their leg, you could face serious legal issues. Even if you’re found to not be responsible for the accident, legal fees related to the case can add up to reach a high figure.

 

Employer’s Liability Insurance

This insurance provides a financial ‘buffer’ around liability claims made by your employees. If people help run your holiday let business (gardeners, maintenance people, and cleaners) it is a legal requirement in the UK to have Employer’s Liability cover. This policy can be used to pay for expenses associated with employees becoming injured whilst working for or at your business.

 

Loss of rental income

Extreme weather conditions (storms, floods and heatwaves) can take their toll and seriously affect your property. If your buildings or outside area are damaged and need repairing, your business might be out of action for some time.

Finding contractors and building materials (especially for listed buildings) can also be challenging and repair work can take weeks, sometimes months. If you have based your financial forecasting on rental bookings and you need to cancel guest stays whilst building works are done, you could lose valuable income. Loss of Rental Income Insurance can cover lost revenue while your property is being restored.

 

Pet Damage Insurance

Accommodating guests with pets can boost your holiday let bookings and popularity. But with years of experience providing Holiday Let Insurance, we hear of properties damaged by guests’ companion animals. While this is unintentional, it can lead to expensive clean-ups and replacement costs (think: muddy paws on the carpet or a torn sofa). Our specialised Holiday Home Rental Insurance can include cover that pays for any pet-related accidents or damage.

As a holiday cottage complex owner, you’ll be busy managing bookings, hosting guests, and ensuring everything runs smoothly. What you don’t want is insurance that is unreliable and lets you down at the time of making a claim (should you need to make one). By talking to our team about your requirements, we can get a good understanding of your holiday let business and tailor your insurance to be fit for purpose.

 

Call: 01237 429444

Or email: info@boshers.co.uk

 

 

  1. https://www.gov.uk/government/publications/furnished-holiday-lettings-hs253-self-assessment-helpsheet/hs253-furnished-holiday-lettings-2022#:~:text=The%20pattern%20of%20occupation%20condition,a%20FHL%20for%20that%20year.

 

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.

 

 

 

 

 

 

/by

How Much Does Holiday Home Insurance Cost?

,

Holiday Home Insurance premiums are influenced by a combination of property, location, usage, and risk factors. Because second homes are often unoccupied for long periods, insurers assess them a bit differently from main residences. Here are the key factors that usually have the biggest impact:

Location. Location.

You may have heard from estate agents and the media that owning a second home in a desirable or popular location increases the price of the property. When it comes to insurance however, where your building is situated can also bump up the price of your insurance premium.

Seaside or coastal holiday homes can generate healthy holiday let income and be lovely to stay at. But if your property is on a cliffside or beachside, it may be prone to subsidence, storm damage or flooding. If this is the case, it could lead to higher insurance costs because your insurer will take these factors into account.

Arranging your Holiday Home Insurance with an experienced broker like Boshers can potentially help you avoid sky-high premiums because of long-standing professional relationships with holiday home insurers.

 

Call: 01237 429444

Or email: info@boshers.co.uk

 

Is your property accessible?

If your property is perched on the side of a hard-to-reach remote area, or accessible only by off-road tracks, it may be more challenging to repair than a holiday home in a more central or accessible location. Remote and rugged locations can also be harder for emergency response such as the fire services to reach. Both aspects can result in higher holiday home insurance quotes.

 

Is your holiday home left unoccupied?

If your holiday home is left empty for periods of time between your visits, it could be more vulnerable to theft or undetected water damage such as burst pipes or leaks. Similarly, if you only let your holiday home to paying guests during peak seasons, and it is unoccupied for the remainder of the year, you will be required to declare how long the property is left empty for. Again, talking to a broker like Boshers can give you a thorough understanding of how long your property can be left unoccupied without your insurance costs increasing.

 

Do you use your property as a holiday rental?

Letting your holiday home to paying guests can be a great source of income. Putting the right level of financial protection in place, is however, important. If you employ people such as maintenance staff, gardeners, cleaners or receptionists, you will be required by UK law to have Employers’ Liability Insurance which Boshers can provide. This policy can cover legal fees and costs should an employee of yours become ill or get injured because of work-related activities. Without Employers’ Liability Insurance, you would have to pay for hefty compensation claims and legal costs out of your own pocket.

 

Public Liability Insurance is also a crucial part of insuring a holiday let. This insurance coverage covers you for any liability claims made against you should a member of the public suffer injury or illness due to your holiday let operations. For example, if a guest slips or trips on a wet floor or uneven exterior area at your property and sues you for damage, Public Liability Insurance can pay for related legal fees.

It is strongly advised that you let us or your insurer know that you have paying or non-paying guests staying at your holiday home, because you will need Holiday Let Insurance to protect you, which Boshers have specialist knowledge of. You don’t need to own and run a holiday let complex to arrange your insurance through us. You can own one holiday let and we’ll be able to help.

If you don’t let us or your insurer know that you are letting your property to paying guests, your policy might not cover you in the event of an insurance claim. Our team of qualified advisers will do their best to get cost-effective rates on your Holiday Let Insurance cost.

 

Property Type and Construction

Listed and thatched properties can sometimes be more costly to insure. This is because non -standard construction houses or apartments can potentially have a higher rebuild cost compared to standard-construction or more modern homes. If you own a larger holiday home, this too can increase the cost of the premium due to the higher cost of repairs and rebuild.

 

What can you do to potentially lower the price of your premium?

Insurers price holiday home insurance based on how likely a claim is and how expensive it would be if something went wrong. Reducing risk through good security, regular checks, and appropriate use of your property is often the most effective way to keep premiums under control.

 

Security measures

Installing alarms, CCTV, reinforced locks, and even shutters can help reduce premiums. Professionally monitored alarm systems or regular property checks are often viewed favourably by insurers.

 

Your claims history

A history of insurance claims on the property can push premiums higher. Repeated water damage or theft claims can especially influence the cost of your insurance. Taking care of maintenance if damage to your property is easily repairable and not claiming for smaller issues, can stand you in good stead with your insurer.

 

 

Level of insurance coverage chosen

Insuring both your Buildings and Contents, rather than just the structure, increases the premium, however if your holiday home has furniture or electrical appliances, or expensive contents, insuring for both Buildings and Contents is strongly recommended.

Accidental damage and loss of rental income can also raise costs but broaden protection.

 

Arranging a higher voluntary excess (the amount you pay before your insurance coverage comes into effect), can go towards reducing the premium.

 

Maintenance and Risk Management

Insurers prefer properties that are well maintained and frequently checked. Taking preventative measures such as drain-down systems, smart leak detectors, or heating left on low in winter can positively affect pricing.

 

OVERSEAS HOLIDAY HOME INSURANCE

Overseas Holiday Home Insurance premiums are influenced by many of the same factors as UK holiday homes coverage, but with additional complexity due to distance, legal systems, and local risk conditions. Insurers look closely at both risk likelihood and claim severity. If you are a UK resident and own a holiday home abroad, Boshers can arrange insurance coverage tailored to your property type, location, and usage.

 

For a FREE insurance quotation or to find out more about how we can help you protect your home away from home, contact us today.

 

Call: 01237 429444

Or email: info@boshers.co.uk

 

 

 

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.

 

/by

Holiday let insurance compared to standard home cover – what are the differences?

Owning a holiday let can be a rewarding investment, whether it is a coastal cottage, countryside retreat, or second home used for short-term rentals. However, many owners underestimate the importance of having the correct insurance in place. Holiday let insurance is essentially different from standard home insurance, and failing to arrange appropriate cover can leave property owners exposed to significant financial risk.

 

Why standard Home Insurance isn’t enough

A common misconception is that a standard home insurance policy will adequately protect a holiday let. Most standard policies are intended for owner-occupied homes and clearly exclude commercial use or short-term rentals. Once a property is let to paying guests, it is considered a business activity, even if it is only rented out for part of the year.

Holiday let insurance is specifically structured to cover the unique risks associated with short-term occupancy, frequent guest turnover, and periods when the property may be unoccupied. Without specialist cover, claims related to guest damage, liability, or loss of income could be declined.

 

What is Holiday Let Insurance?

Holiday Let Insurance, sometimes referred to as holiday cottage insurance, is a specialist policy designed for properties used as short-term, self-catering accommodation. It typically combines buildings and contents cover with additional protections that reflect how the property is used.

For owners of a second home that is not their main residence, secondary self-catering holiday home insurance ensures the property is protected whether it is occupied by guests, empty between bookings, or used occasionally by the owner.

 

Key differences: Holiday Let vs Standard Home Insurance

Understanding the differences between holiday let insurance and standard Home Insurance is essential:

  • Public Liability cover: Holiday let insurance includes liability protection in case a guest is injured or their property is damaged while staying at the home.
  • Guest-related damage: Cover typically extends to accidental damage caused by paying guests, which is often excluded under standard policies.
  • Loss of rental income: If the property becomes uninhabitable due to an insured event, holiday let insurance can compensate for lost bookings.
  • Unoccupied periods: Holiday lets may be empty for weeks at a time; specialist policies reflect this risk more accurately.
  • Employer’s Liability: If you employ cleaners, gardeners, or maintenance staff, this cover may be required by law.

These features highlight why standard home insurance is rarely sufficient for holiday lets.

 

 

Buildings and contents cover

Holiday let insurance provides buildings cover for the structure of the property, including walls, roofs, and permanent fixtures. Contents cover protects furniture, appliances, soft furnishings, and items provided for guest use. Given the higher wear and tear associated with short-term lets, it is important that sums insured accurately reflect replacement costs.

For furnished properties, holiday cottage insurance is particularly important, as guest use increases the likelihood of accidental damage.

 

Liability and legal protection

One of the most critical aspects of Holiday Let Insurance is Public Liability cover. Guests, visitors, or contractors could suffer injury on the premises, and claims can be costly. Adequate liability limits offer peace of mind and financial protection.

Some policies also include legal expenses cover, helping with disputes involving guests, neighbours, or regulatory issues.

 

Seasonal use and flexibility

Many holiday homes are only let during certain times of the year. Secondary self-catering holiday home insurance is designed to be flexible, covering mixed usage where owners may occupy the property themselves outside of the rental season.

It is important to disclose how the property is used, as incorrect information can invalidate cover.

 

 

Choosing the right policy

When selecting holiday let insurance, owners should consider:

  • How often the property is let
  • Maximum guest numbers
  • Whether pets are allowed
  • Location and exposure to risks such as flooding or coastal weather
  • Compliance with safety regulations, including fire and gas safety

Working with a specialist broker ensures policies are tailored correctly and that cover evolves as the property’s use changes.

 

Final thoughts

Holiday lets come with unique risks that standard home insurance simply does not address. Investing in specialist Holiday Let Insurance or holiday cottage insurance protects not only the property but also rental income and personal liability. For owners of second homes used for short-term rentals, secondary self-catering holiday home insurance is essential to ensure comprehensive protection year-round.

Speak to the experienced team at Boshers, who understand these nuances. You can be confident that a policy bought through us will allow you to protect your investment properly and operate with confidence, knowing your insurance reflects the reality of how your property is used, to protect you and your guests properly.

 

Call us on 01237 429444 to chat about your situation.

/by

Holiday Home Insurance explained – aspects of your policy

Specialist Holiday Home Insurance is an essential cover for owners of second homes which are used as getaways and/or holiday lets. If your property is not your main residence and is left unoccupied for long periods, you will need specialised insurance. One of the reasons for this is because empty properties can potentially be easier targets for burglars, or damage such as burst pipes and escape of water can go undetected.

Holiday Home Insurance in the UK can still insure you for fire, theft, and storm damage, but give you added coverage for the fact that your second home is left unoccupied for days, weeks, and sometimes, months. A standard home insurance policy won’t provide you with the extra coverage your holiday home needs.

Why do you need Holiday Home Insurance?

As a holiday homeowner, your property is a home away from home, and an investment. Whether you own a fisherman’s cottage on the coast or a charming cottage in the country, you will need insurance that specifically covers second homes. This will insure your property for a wide range of events.

 

Call: 01237 429 444

Or email us: info@boshers.co.uk

 

Why is Holiday Let Insurance so important?

Owning a holiday let such as a cottage complex or a seaside rental can be a great source of income, either as a primary business, or a second income stream. So, it makes sense to financially protect your holiday let business with specialised insurance. At Boshers, we have over 35 years’ experience in providing insurance for furnished holiday lets and self-catering accommodation.

We can also find insurance for properties with additional leisure facilities such as hot tubs, swimming pools, children’s play areas, and gyms, which will need liability cover included within your policy. Without Liabilities insurance, you could be liable for damages should, for example, a child or adult guest slip and fall around the swimming pool or hot tub.

 

 

Pet Damage Insurance

Pet damage can be an overlooked risk for holiday homeowners, particularly when properties are let to guests bringing dogs or other animals. Boshers Insurance can arrange cover for accidental damage caused by pets, helping to protect against unexpected repair and replacement costs. This may include damage to fixtures, fittings, flooring or furnishings, depending on the policy terms. Having specialist Holiday Home Insurance that recognises pet-related risks allows you to welcome pet-friendly bookings with greater confidence.

 

Overseas holiday homes and holiday lets 

Owning a holiday home abroad can be rewarding, but insuring an international property comes with added complexity. Overseas Holiday Home Insurance arranged by Boshers Insurance is designed to provide specialist protection for properties located abroad, whether they are used for personal holidays, rented to guests, or left unoccupied for extended periods.

Standard UK home insurance policies rarely provide adequate cover for overseas properties. Differences in local building regulations, legal requirements, weather risks and claims processes mean specialist insurance is essential. We work with insurers experienced in overseas property risks to ensure cover is tailored to your location and how the property is used. Cover can also be arranged for a wide range of property types, from apartments to villas, across popular European destinations.

With decades of experience in specialist property insurance, Boshers Insurance offers expert guidance and access to flexible overseas holiday home insurance solutions. By choosing specialist cover, you can protect your investment and enjoy peace of mind, wherever your holiday home is located.

 

What does Holiday Home and Holiday Let Insurance cover?

Your holiday home or holiday let will need a policy that is specifically designed to provide you with:

Buildings Insurance – covers the physical structure of the building, including the walls, roof, and permanent fixtures.

Contents Cover – insures items in your property including furniture (if you turned your house upside down Contents Cover/Contents Insurance can cover anything that would fall out of it).

Unoccupied property – Boshers Insurance can tailor this coverage to financially protect your home when it is empty. This covers time periods between guest stays or when you visit your property. Please talk to our team for more information about this important aspect of your policy.

Employers’ Liability Insurance – this is a legal requirement in the UK if you employ anyone to help you with your holiday let (gardeners, receptionists, maintenance or house cleaning). Should one of your employees become injured or ill as a result of work-related activities, Employers’ Liability Insurance can cover legal expenses and compensation claims brought against you.

Public Liability Insurance – a crucial part of Holiday Let Insurance, Public Liability covers costs related to compensation claims made against you by a member of the public (for example, a guest or tradesperson), should they suffer illness or injury as a result of your business operations.

Loss of rental income – the policies we provide can reimburse lost rental income if an insured event such as property damage caused by fire, flood or storm damage, means you need to pause rental bookings while your property is repaired.

Accidental damage – we can include this coverage in your policy as an add-on for spills and breakages (known as accidental damage).

 

Holiday Home Insurance is not a one-size-fits-all policy. Whether your property is let to guests, used by family, or left unoccupied for parts of the year, having the right cover in place is essential. By working with experienced holiday home insurance brokers like Boshers, you can ensure your property is properly protected and avoid potentially costly gaps in cover.

With decades of experience in insuring holiday properties, we can help you protect your asset, business, and bolthole. Contact us for expert advice or a new quote.

 

Call: 01237 429 444

Or email us: info@boshers.co.uk

 

 

 

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.

 

/by

Self-Catering Cottage Insurance Explained

Whether you’re thinking of letting your second property to paying guests or already have Holiday Let Insurance and would like to review your coverage, Boshers can advise on and arrange a policy for you that protects your property.

Trusted by a wide range of second homeowners in the UK, we also work with the Association of Scotland’s Self Caterers, who have over 1,700 members and support thousands of self-catering properties across Scotland.1

If your business venture consists of hosting paying and non-paying guests who cater for themselves, your insurance coverage will need to include Liabilities coverage. We can also provide Self-Catering Cottage Insurance that covers you for a wide range of events and circumstances. Policies can include:

  • Buildings & Contents Insurance
  • Pet Damage Insurance
  • Public and Employers’ Liability Insurances
  • Unoccupied Property Insurance
  • Loss of Income Insurance

 

Call: 01237 429 444

Or email: info@boshers.co.uk

 

 

Why do you need Self Catering Cottage Insurance?

Like every property, Buildings & Contents Insurance is a necessity because it provides financial protection should the physical structure or its contents (furniture, appliances, tech, rugs etc.) become damaged, destroyed, or stolen.

However, unlike standard Home Insurance for residential properties, Self Catering Cottage Insurance (also known as Holiday Cottage Insurance) provides enhanced coverage for second homes left unoccupied and used for hosting guests.

In this article, we look at each aspect of cottage rental insurance designed to look after your property should the unexpected happen.

 

 

Buildings & Contents Insurance

The policies we source can provide you with coverage for your property structure (known as Buildings) and your Contents. If your self-catering accommodation has facilities for your guests such as a games room, swimming pool, hot tub, gym, or children’s play area, Self Catering Cottage Insurance can come into effect should any of your additional guest facilities become damaged, either accidentally or intentionally.

Similarly, the Holiday Cottage Insurance we provide can be used to pay for the theft or damage of the items in your holiday let. If, for example, one of your paying guests runs off with your Bosch kettle or helps themselves to your soft furnishings, your Contents Insurance can help pay for replacements (subject to policy excess).

 

Pet Damage

Allowing guests to bring their pets to your holiday let can boost bookings, generating more income. However, hosting peoples’ furry friends can sometimes result in certain types of damage, which can include:

  • Chewed carpets
  • Broken crockery or ornaments (if a table gets knocked over)
  • Muddy paws on the carpet (resulting from wet weather)
  • Scratched sofas

Boshers can provide a policy that includes cover for damage caused by pet guests, enabling you to enjoy hosting animals whilst keeping your property financially protected.

 

 

Public & Employers’ Liability Insurance

Public Liability Insurance is a protection that is a crucial part of owning and running a self-catering property. The Self-Catering Cottage Insurance we offer can be tailored to provide up to £10 million public liability cover and cover for legal expenses.

So, if for example, a guest slips on the flooring around your swimming pool or hot tub, or a child injures themselves in the play area, you may have a compensation claim brought against you. Even if you are not at fault, the legal fees can accumulate and leave you with a significant bill. Public Liability Insurance can cover costs associated with potentially expensive lawsuits.

 

Employers’ Liability Insurance

Employers’ Liability Insurance is a legal requirement in the UK if you employ staff to help you, such as gardeners, cleaners, or receptionists. This type of coverage provides financial protection should you face lawsuits brought against you by employees that are injured, sick or die because of work-related activities. Our policy provides up to £10 million coverage for legal fees and any compensation claims brought against you.

 

Unoccupied Property Insurance

A vital coverage if your self-catering cottage is empty for long periods (perhaps in the winter season) or is unoccupied between guest bookings. Empty properties are more vulnerable to issues such as theft, fire, and undetected damage, such as escape of water or burst pipes. Unoccupied Property Insurance provides you with peace of mind that unexpected incidents will not lead to expensive repairs (that you have to pay for) or invalidated claims.

 

 

Loss of rental income

If you rely on seasonal bookings, disruption can have a huge impact on your rental income. Should your property become temporarily uninhabitable due to an insured event such as fire, storm damage, or flooding for example, your policy can cover the loss of income you may incur.

Cover for loss of rental income can pay for your mortgage, utilities, and maintenance costs, while property repairs are carried out. The policy we offer covers you for loss of rental income over two years, up to £75,000, providing much needed financial support until your holiday let business gets back on track.

 

At Boshers, we provide comprehensive coverage for individual self-catering cottages or policies tailored for multiple cottages. For more information on how your holiday cottage can be insured at the correct level, or for a new quote for cottage rental insurance, contact us today.

 

Call: 01237 429 444

Or email: info@boshers.co.uk

 

 

  1. https://www.assc.co.uk/about
/by

How Much Does Holiday Home Insurance Cost?

Holiday Home Insurance premiums are influenced by a combination of property, location, usage, and risk factors. Because second homes are often unoccupied for long periods, insurers assess them a bit differently from main residences. Here are the key factors that usually have the biggest impact:

 

 

  1. Location. Location.

You may have heard from estate agents and the media that owning a second home in a desirable or popular location increases the price of the property. When it comes to insurance however, where your building is situated can also bump up the price of your insurance premium.

Seaside or coastal holiday homes can generate healthy holiday let income and be lovely to stay at. But if your property is on a cliffside or beachside, it may be prone to subsidence, storm damage or flooding. If this is the case, it could lead to higher insurance costs because your insurer will take these factors into account.

Arranging your Holiday Home Insurance with an experienced broker like Boshers can potentially help you avoid sky-high premiums because of long-standing professional relationships with holiday home insurers.

 

Call: 01237 429444

Or email: info@boshers.co.uk

 

 

1. Is your property accessible?

If your property is perched on the side of a hard-to-reach remote area, or accessible only by off-road tracks, it may be more challenging to repair than a holiday home in a more central or accessible location. Remote and rugged locations can also be harder for emergency response such as the fire services to reach. Both aspects can result in higher holiday home insurance quotes.

 

2. Is your holiday home left unoccupied?

If your holiday home is left empty for periods of time between your visits, it could be more vulnerable to theft or undetected water damage such as burst pipes or leaks. Similarly, if you only let your holiday home to paying guests during peak seasons, and it is unoccupied for the remainder of the year, you will be required to declare how long the property is left empty for. Again, talking to a broker like Boshers can give you a thorough understanding of how long your property can be left unoccupied without your insurance costs increasing.

 

3. Do you use your property as a holiday rental?

Letting your holiday home to paying guests can be a great source of income. Putting the right level of financial protection in place, is however, important. If you employ people such as maintenance staff, gardeners, cleaners or receptionists, you will be required by UK law to have Employers’ Liability Insurance which Boshers can provide. This policy can cover legal fees and costs should an employee of yours become ill or get injured because of work-related activities. Without Employers’ Liability Insurance, you would have to pay for hefty compensation claims and legal costs out of your own pocket.

 

 

 

Public Liability Insurance is also a crucial part of insuring a holiday let. This insurance coverage covers you for any liability claims made against you should a member of the public suffer injury or illness due to your holiday let operations. For example, if a guest slips or trips on a wet floor or uneven exterior area at your property and sues you for damage, Public Liability Insurance can pay for related legal fees.

It is strongly advised that you let us or your insurer know that you have paying or non-paying guests staying at your holiday home, because you will need Holiday Let Insurance to protect you, which Boshers have specialist knowledge of. You don’t need to own and run a holiday let complex to arrange your insurance through us. You can own one holiday let and we’ll be able to help.

If you don’t let us or your insurer know that you are letting your property to paying guests, your policy might not cover you in the event of an insurance claim. Our team of qualified advisers will do their best to get cost-effective rates on your Holiday Let Insurance cost.

 

 

4. Property Type and Construction

Listed and thatched properties can sometimes be more costly to insure. This is because non -standard construction houses or apartments can potentially have a higher rebuild cost compared to standard-construction or more modern homes. If you own a larger holiday home, this too can increase the cost of the premium due to the higher cost of repairs and rebuild.

 

What can you do to potentially lower the price of your premium?

Insurers price holiday home insurance based on how likely a claim is and how expensive it would be if something went wrong. Reducing risk through good security, regular checks, and appropriate use of your property is often the most effective way to keep premiums under control.

 

Security measures

Installing alarms, CCTV, reinforced locks, and even shutters can help reduce premiums. Professionally monitored alarm systems or regular property checks are often viewed favourably by insurers.

 

Your claims history

A history of insurance claims on the property can push premiums higher. Repeated water damage or theft claims can especially influence the cost of your insurance. Taking care of maintenance if damage to your property is easily repairable and not claiming for smaller issues, can stand you in good stead with your insurer.

 

Level of insurance coverage chosen

Insuring both your Buildings and Contents, rather than just the structure, increases the premium, however if your holiday home has furniture or electrical appliances, or expensive contents, insuring for both Buildings and Contents is strongly recommended.

Accidental damage and loss of rental income can also raise costs but broaden protection.

 

Arranging a higher voluntary excess (the amount you pay before your insurance coverage comes into effect), can go towards reducing the premium.

 

Maintenance and Risk Management

Insurers prefer properties that are well maintained and frequently checked. Taking preventative measures such as drain-down systems, smart leak detectors, or heating left on low in winter can positively affect pricing.

 

 

OVERSEAS HOLIDAY HOME INSURANCE

Overseas Holiday Home Insurance premiums are influenced by many of the same factors as UK holiday homes coverage, but with additional complexity due to distance, legal systems, and local risk conditions. Insurers look closely at both risk likelihood and claim severity. If you are a UK resident and own a holiday home abroad, Boshers can arrange insurance coverage tailored to your property type, location, and usage.

 

For a FREE insurance quotation or to find out more about how we can help you protect your home away from home, contact us today.

 

Call: 01237 429444

Or email: info@boshers.co.uk

 

 

 

Boshers® Insurance Services is a trading style of Lloyd & Whyte® Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 306077). Registered in England No. 03686765. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. VAT Registration No. 477 7248 00. Calls may be recorded for use in quality management, training and customer support.

 

 

/by