This category is for articles relevant to owners of holiday homes, cottages and holiday cottage complexes in England, Wales or Scotland. It contains articles full of tips and guides on many aspects of running a holiday letting property. Check out these posts, Business rates for holiday cottage complexes, Holiday home industry code of practice, Essential guide for cottage owners.

Top 7 Dog-Friendly places to visit in Cornwall next summer

With stunning beaches, scenic walks, and plenty of open spaces, Cornwall is a paradise for dog lovers. Whether you’re a dog owner planning your next adventure or a holiday let owner looking to enhance your offering, understanding the best dog-friendly places Cornwall has to offer can make all the difference.

Not only does promoting your property as pet-friendly improve guest satisfaction – it also opens up a broader booking market. In fact, with over a third of UK households owning a dog1, offering a dog-friendly stay can significantly increase your occupancy rates, especially in peak holiday seasons.

 

Here are our top 7 must-visit, dog-friendly destinations in Cornwall this summer:

Perranporth Beach

One of the most iconic Cornwall dog beaches, Perranporth Beach is a three-mile stretch of golden sand where dogs can run free all year round (though leads are required in July and August, 10am–5pm). With rock pools, surf, and the famous beachside Watering Hole pub, it’s a hit with both dogs and their owners.

Holiday Let Tip: Properties near Perranporth that allow dogs, often enjoy repeat bookings. Consider offering outdoor showers or dog-friendly welcome packs to make your property stand out.

 

Tintagel Castle and Coastal Path

The ruins of Tintagel Castle, steeped in Arthurian legend, provide a dramatic setting for a day out with your canine companion. While dogs aren’t allowed inside the indoor exhibitions, they are welcome on the castle grounds and surrounding cliff-top paths all year round.

The South West Coast Path, popularised by the book and subsequent film –  The Salt Path,  from Tintagel offers unforgettable views and is perfect for active pets and owners.

Insurance Insight: Properties near coastal walking routes may see higher foot traffic and increased wear and tear. Ensure your holiday let insurance includes accidental pet damage and appropriate Public Liability cover.

 

Cardinham Woods, Bodmin

A peaceful woodland escape, Cardinham Woods offers multiple signposted walking trails, streams to splash in, and shaded paths – ideal for warmer days. It’s an excellent alternative to the coast if you’re seeking somewhere more tranquil.

The woods have designated walking and cycling routes, including the 4-mile Deviock Trail and the shorter Lady Vale Trail. Dogs are welcome, and there are even designated off-lead areas. There’s even a dog-friendly café, Woods Café, nestled in the trees for a post-walk treat.

Why It Matters: Promoting nearby woodland and off-coast walks can be a key differentiator for holiday lets, particularly during busy beach season.

Fistral Beach, Newquay

Arguably Cornwall’s most famous surf spot, Fistral Beach is also a great year-round option for dogs. While parts of Newquay enforce seasonal restrictions, Fistral remains dog-friendly throughout the year.

The wide, sandy beach offers ample room for dogs to run and play, especially at low tide. It is easily accessible, with nearby parking and several pet-welcoming cafés and restaurants. Fistral Beach is within walking distance of Newquay town centre and offers access to scenic clifftop walks along the headland, including views of the famous Headland Hotel.

Holiday Let Tip: Dog-friendly beach access within walking distance is a powerful draw for summer bookings. Highlight this in your property listings and marketing materials.

 

 

 

Trelissick Gardens, near Truro

Owned by the National Trust, Trelissick Gardens offer both formal grounds (dogs welcome on short leads in some areas) and miles of off-lead woodland walks through the estate. The views over the River Fal are breathtaking, and there’s also a dog-friendly café and water bowls on site. Dogs are allowed in the Crofters Cafe courtyard. Note that only assistance dogs are permitted inside the house and across the bridge into Carcaddon.

 

Things to Do with Dogs in Cornwall: Nature-loving visitors appreciate variety. Include a printed or digital guide in your welcome pack outlining local walks, parks, and attractions like Trelissick.

 

St. Mawes and the Roseland Peninsula

The charming harbour village of St. Mawes and the surrounding Roseland Peninsula offer a relaxed, scenic atmosphere ideal for pet-friendly holidays Cornwall style. Enjoy coastal strolls, ferry rides where dogs are welcome, and hidden beaches like Porthcurnick, which has no seasonal dog bans. Dogs on leads are welcome to explore the historic castle. The Roseland Peninsula is a designated Area of Outstanding Natural Beauty, offering a wide range of scenic walks and attractions for dog owners. It’s a peninsula separated from the rest of Cornwall by the River Fal.

Pet-Friendly Perk: Quiet, dog-welcoming destinations like Roseland attract guests seeking peaceful escapes. Outdoor hose points, enclosed gardens, and boot/dog wash areas can boost appeal. Even if your property is thatched or listed we can provide appropriate cover.

The Lizard Peninsula and Kynance Cove

The Lizard Peninsula, Britain’s most southerly point, is home to some of Cornwall’s most dramatic scenery and remote beaches. Dogs are welcome at several of the coves, including Kynance Cove (note: seasonal restrictions apply). Dogs are welcome year-round, with miles of countryside and coastal paths to explore. There are dog bins and water bowls available, and the Polpeor Cafe welcomes dogs.

Though a bit more remote, the area’s rugged beauty makes it a favourite among walkers and nature lovers.

Insurance Reminder: If your holiday let is in a rural or coastal area, check your policy includes emergency access cover and appropriate storm or flood protection.

Why dog-friendly means better business

Dog ownership continues to rise in the UK, and with it, the demand for pet-friendly holiday lets. Many guests will happily pay a premium for properties that welcome pets and offer thoughtful amenities like dog bowls, spare leads, throws for sofas, and safe enclosed gardens.

By listing your holiday home on dog-friendly platforms and clearly advertising dog-friendly places Cornwall nearby, you can:

  • Increase booking rates in both peak and off-peak periods
  • Attract longer stays (especially for multi-dog families)
  • Gain repeat business from satisfied pet owners
  • Boost your online reviews with tailored guest experiences

 

Protecting your pet-friendly property

Opening your doors to four-legged guests brings fantastic opportunities—but also potential risks. As a specialist provider of holiday home insurance, Boshers Insurance can help ensure you’re fully covered.

Our policies can include:

  • Accidental pet damage
  • Public liability protection
  • Loss of income due to cancellations or damage

Available UK wide, these features are designed to give peace of mind to holiday let owners no matter where you are based, particularly those catering to pet-owning guests.

“Myttin da’gas dynnergh”

Cornish for “You’re welcome” …Whether you’re a holiday let owner looking to add value or a holidaymaker planning your next trip, Cornwall is bursting with dog-friendly attractions, natural beauty, and welcoming communities. By embracing dog-friendly holidays Cornwall, you’re not only offering memorable stays – you’re also futureproofing your property’s success.

 

For tailored holiday let insurance advice UK wide, including pet-related cover, get in touch with the Boshers Insurance team today. Call us on 01237 429444

 

 

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Do you know what’s best practice for holiday let security – 5 Simple Ways to Improve Safety and Reduce Risk

Do you own a holiday let in Cornwall, along the Devon coast or within the South West? No matter where you are located, owning a holiday let can be a rewarding investment, but it also comes with responsibilities. Guests expect comfort, convenience, and above all, safety. As an owner, ensuring your property is secure isn’t just about peace of mind; it’s also about protecting your income, reducing risks, and meeting the conditions of your insurance policy.

From physical locks to digital protections, small improvements can make a big difference to holiday let security. Here are five practical steps to help safeguard your holiday let, protect your guests, and reduce the likelihood of costly claims, no matter where you are based.

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  1. Upgrade your locks and entry systems

A strong first line of defence is essential. Many burglaries are opportunistic, so ensuring your doors and windows are properly secured can immediately deter intruders.

High-Security Locks: Consider fitting British Standard BS3621 locks on external doors and key-operated locks on accessible windows. Many insurers require these as a minimum standard.

Key Management: Avoid leaving spare keys hidden outside, and instead use a lockable key safe with a code that you change regularly.

Smart Locks: For added convenience and security, smart locks allow you to issue unique codes for each guest, removing the risk of lost keys being copied or misused.

Strong locks, not only make your property harder to break into, but they also ensure you’re compliant with common insurance requirements.

  1. Light up your property

Burglars prefer to operate under the cover of darkness. Proper lighting makes your holiday let less appealing to intruders and safer for your guests.

Motion-sensor lighting: Fit outdoor lights with motion sensors at entry points and paths. These startle would-be intruders and give guests confidence when arriving after dark.

Timers for indoor lighting: If your property is vacant between bookings, use timer switches to create the impression of occupancy.

Pathway illumination: Good lighting around steps, paths, and driveways reduces the risk of slips and trips, helping you avoid potential liability claims.

A well-lit holiday let is not only more secure, it’s also more welcoming.

 

  1. Install an alarm or security system

Alarm systems act as both a deterrent and a protective measure. Today’s technology makes it easier than ever to monitor your property remotely.

Intruder alarms: Even a basic alarm can discourage break-ins and may lower insurance premiums.

Monitored systems: Professional monitoring services can alert authorities if an intrusion is detected, offering extra peace of mind.

CCTV & Smart cameras: Discreetly installed cameras can help protect against vandalism and theft. Modern smart cameras also allow you to check in on your property from your smartphone.

Just remember: if you do install cameras, make sure they don’t compromise guest privacy by pointing only at entrances or outdoor areas.

  1. Don’t overlook digital security

It’s not only physical threats that pose a risk to holiday lets. Increasingly, digital security is just as important.

Wi-Fi Safety: Guests will expect internet access, but an unsecured network could expose you to cyber risks. Set up a guest Wi-Fi network separate from your own.

Smart devices: If you use smart locks, thermostats, or lighting, ensure they’re password protected and regularly updated.

Data Protection: Be mindful of how you handle guest information such as booking details and payment data. Storing or sharing this carelessly could breach GDPR and leave you liable.

By treating digital security with the same seriousness as physical security, you’ll protect your property, your business, and your guests.

  1. Carry out regular safety checks

Security isn’t just about preventing burglary—it’s also about reducing the risk of accidents and claims.

Fire safety: Test smoke alarms and carbon monoxide detectors regularly. Provide fire extinguishers and clear escape routes.

Appliance checks: Ensure boilers, electrical systems, and gas appliances are serviced and certified as required.

Guest information: Leave a simple safety guide in your welcome pack with emergency contacts, instructions for appliances, and guidance on what to do if there’s a problem.

Carrying out these checks shows diligence, protects your guests, and helps demonstrate compliance if you ever need to make a claim.

 

Don’t forget your insurance

Even with the best security measures in place, risks can never be fully eliminated. That’s why having the right specialist holiday home insurance is so important. Many standard home policies won’t cover the unique risks of letting your property to paying guests, leaving you exposed if something goes wrong.

A tailored policy, which Boshers provide UK wide, can offer cover for theft, damage, liability, and loss of rental income, giving you complete peace of mind. Just remember to review your policy documents carefully and check for exclusions, especially around security requirements. Failure to meet conditions such as lock standards or alarm maintenance could invalidate a claim.

Find out more

Securing your holiday let isn’t complicated. By combining physical safeguards, digital protections, and routine safety checks, you’ll not only reduce the risk of incidents but also reassure guests and protect your investment. And with the right specialist insurance in place, you can relax knowing you’re covered, whatever happens.

Call our expert team on 01237 429444

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New Fire Safety Guidance for `small paying guest accommodation’

Fire safety regulations for holiday homes in England and Wales

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New Fire Safety Guidance for `small paying guest accommodation’Full length, written fire risk assessments, covering all aspects of fire safety, have become a legal requirement for properties offering sleeping accommodation to paying guests from the 1st October 2023. This means that all owners that let their property to guests, even for a single night, will need to have a full written Fire Risk Assessment, by law.

Fire Safety Guidance for ‘small paying guest accommodation’

Fire Safety Guidance has been published by the Home Office that covers `small paying guest accommodation’ which is defined as:

`A single premises of ground floor, or ground floor and first floor, providing sleeping accommodation for a maximum of 10 persons, with no more than 4 bedrooms on the first floor (and not having an open plan kitchen)’. Or `Individual flats (whether within a purpose-built block of flats or a house that has been converted into flats), other than unusually large flats.’

If your holiday letting property is in England the new guidance can be downloaded here:

For owners of holiday lets located in Wales the new guidance can be downloaded here:

The new guidance has been compiled following a review of best practice that should be adopted to meet obligations to comply with existing fire safety law. It was statutory from the 1st October 2023 and must be followed.

What about larger or more complex accommodation in either England or Wales?

The updated guide on larger accommodation and properties that do not fit the Small Accommodation Guide as above, is a work in progress at the Home Office. Meanwhile for these larger properties that sleep more than 10 people, have more than 4 bedrooms, are over more than 2 floors or have an open plan kitchen, you need to base your fire precautions, and fire risk assessment on the existing guidance in: Fire Safety Risk Assessment – Sleeping Accommodation:

Where can I find additional information on complying with Fire Safety?

The Professional Association of Self-Caterers UK (PASC UK) have produced a series of supplementary papers to help owners navigate making their property safe and legal, and writing their Fire Risk Assessments, as well as holding regular informative webinars on the subject. We would encourage all owners to read these papers and watch the webinars which are available on demand. Together they provide clarity on the New Fire Safety Guidance and can be found here:

Fire safety regulations are in place across the UK to help keep your guests safe while holiday letting, which is why it’s important to understand the changes.

What you need to do next?

If you haven’t already done so, review the changes in the new fire safety guidance. Update your fire risk assessment and record it in writing. Highlight the actions that are required and form a plan to address them as soon as is practical.

Resources and further information:

If you own holiday letting property located in Scotland, your guidance can be found here:

The information contained in this post is provided for informational purposes, and should not be construed as legal advice by Boshers.

Boshers offer specialist holiday home insurance to holiday let and cottage complex owners across the UK. If you need an insurance quote for your holiday let call us on 01237 429444.

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Covid-19 Holiday Let Cleaning Guidance

Covid-19 Holiday Let Cleaning Guidance

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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.  Please note that the We’re Good To Go Scheme has now closed.

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.

 

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self-catering cottage businessBoshers Ltd

Protecting your self-catering cottage business from the unforeseen

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

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

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

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

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

  • Protect your income, not just your assets

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

  • Heed guidance if you are providing facilities to your guests

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

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

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

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

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business rates

Business rates for holiday cottage complexes

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business rates for holiday cottage complexes

Business rates are a burden for many businesses across the country.  With the recent emergence of the ‘sharing economy’ and an explosion of listings onto platforms such as AirBnB in recent years (there are more than 60,000 in London alone), many holiday cottage complex owners have been left looking over the fence at those offering accommodation free from the taxation they face in running their own tourism businesses.

Professional Association of Self Caterers (PASC UK) lobbying on business rates

In January 2019, the Professional Association of Self Caterers (PASC UK), who are the only association dedicated to lobbying on behalf of the sector across the UK, secured a change to the way that rateable values are calculated for some self-catering businesses throughout England and Wales after more than a decade of urging for adjustments to be made.

The alteration effects the percentages the Valuation Office uses in order to arrive at the businesses’ rateable value, with the result meaning a potential reduction of approximately one-third for many holiday cottage complex owners with five holiday letting units or above. 

As the owners’ input into the business is now taken into consideration, it’s set to potentially benefit those small businesses that manage both the bookings and the guest welcome themselves, and where the self-catering business is a primary income stream for the owners.

Further information on ratable values

You can find further information on how rateable values have been reduced and the potential impact on your own business rates here:  https://www.pascuk.co.uk/business-rates

Businesses should be able to apply for the reduction directly, with those successful able to claim back any overcharge to April 2017, when the current revaluation became effective.

Alistair Handyside MBE, who leads PASC and has been in the self-catering industry for more than 15 years said “Although this is a major breakthrough, it still leaves business rates too high for those self-catering businesses that do not benefit from the £12,000 threshold.  PASC UK continues to get futher change from the Valuation Office and the organisation is part of a wide group lobbying for fundamental change to business rates.” PASC UK is also working on a number of other areas that directly effect holiday home and complex owners including the reinstatement of inheritance tax relief for genuine tourism businesses and ensuring the sector is safe and legal. For more information about them please visit: https://www.pascuk.co.uk/

Guidance on insurance for holiday cottage complexes and quotes are available from the Boshers friendly team on 01237 429444.

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Holiday Home Association launches new Holiday Home Industry Code Of Practice

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In order to ensure self-catering properties are effectively meeting quality standards, the Holiday Home Association (HHA), which is the UK’s longest serving trade association for the self-catering holiday home industry, has launched an industry code of practice aimed at raising quality standards and provide potential guests with a level of assurance when booking privately owned self-catering accommodation.

The Holiday Home Industry Code of Practice (HHICOP) is a comprehensive set of guidelines that sets out standards in health and safety, marketing, accessibility, liability insurance, data protection and complaints procedures.

HHA chief executive Martin Sach said: “The self-catering industry in the UK has changed considerably over the last few years, with a much greater increase in the availability of properties, with more and more owners and managers joining the market.

“There are also many more distribution channels through which a guest can book a property and these developments, can at times, be confusing for guests who are increasingly looking for more assurance that what they book will indeed be a professionally run and fairly represented example of what they are looking for,” he added.

The HHICOP, which can be easily downloaded from the HHA website, has no cost associated with it and is available for both members and non-members of the HHA.

For more information on the Holiday Home Industry Code of Practice, visit The HHA website here. It covers topics of interest to holiday letting owners which include:

  • Health and Safety
  • Fire Safety
  • Smoke and Carbon Monoxide Detectors
  • Electrical Safety
  • Gas Safety
  • Legionella
  • Safety of Furniture and Furnishings
  • Employers’ and Public Liability Insurance

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

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Holiday Homes – Getting your Buildings Insurance Right

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Avoiding underinsurance for holiday home owners

As holiday home insurance specialists we understand the industry and know the insurance needs and demands of letting a holiday property; that’s what comes with using a specialist. Please take a minute to read Holiday Homes – Getting your Buildings Insurance Right and give us a call if you have any questions.

We’re here to give you the peace of mind that should the worst happen you’ll be covered and supported. In order to do that we want to make sure that you have the right cover in place. One aspect of your insurance cover you should be checking is that your building sums insured are correct. It’s important that you make a Fair Presentation Of Risk which includes providing the correct sums insured.

The risks of underinsurance

The buildings sum insured is the maximum amount your insurer will pay out if you make a claim.

For this reason it’s vital to get it right and ensure it’s sufficient. It must represent the cost of rebuilding, repairing or even replacing your property should the worst happen.

If you’re underinsured you bear the risk that you may have to fund a proportion of the cost from your own pocket. This can be potentially crippling to your own finances or that of your holiday business.

The cost of rebuilding and not the value of your property

A common misconception is often that your sum insured should represent the market value of your property. For insurance purposes your sum insured should actually reflect the cost of rebuilding your property.

This can be a tricky figure for holiday home owners to calculate so please do take time to consider what that figure should be.

You’ll need to think about:

  • The building cost of reinstating your property; this can include items such as swimming pools, paths, drives, patios and other things that you might not think about such as satellite dishes or fences and hedges.
  • The cost of replacing fixtures and fittings, for example do you have built in wardrobes, specialist light fittings or bedroom furniture that would cost significant sums to replace or restore?
  • Will debris need to be removed from the site and what implication will this have on the cost of restoring your property?
  • What will the cost be of complying with EU legislation Local Authority Buildings Regulations or other statutory requirements?
  • Professional fees; to get your property back to where it was before the incident you’ll likely need to consult with engineers, architects and surveyors.  Their fees will need to be included in your calculations.

Index Linking – make sure the initial figure is correct

Your buildings sum insured is index-linked, which means that it adjusts according to inflation. This ensures your sum insured is increased in line with any changes in the cost of rebuilding your property.

Despite this index linking it of course remains vital that the sum insured was correct in the first place.

Have you made improvements? Let us know

As you make improvements to your holiday home make sure your sums insured represent the increased cost of replacement and don’t wait for your insurance renewal to make the increases.

For example, if you add a hot tub to the garden or update the interior of the property contact your insurer to let them know and make sure they’re covered from day one.

Calculating the cost of rebuilding your property 

Three methods you can use to calculate the cost of rebuilding your home, holiday home or buy-to-let property. Please use one of these to ensure you are Getting your Buildings Insurance right.

  1. ABI Rebuilding Cost Calculator

If your holiday home falls within a range of standard house types the Association of British Insurers offers a rebuilding cost calculator (http://abi.bcis.co.uk/), which will help you to assess the level of insurance you need.

This is however no substitute to instructing a professional Surveyor to prepare a Rebuilding Cost Assessment for insurance purposes. Although there is a cost for these surveys they’ll make sure you have the right level of cover.

2. Desk Top Rebuilding Cost Assessment 

Getting someone to visit your property to carry out a professional assessment can be time-consuming and expensive. However thanks to our partnership with Rebuild Cost Assessment Ltd we can offer you a reliable low-cost service; from a `Regulated by RICS (Royal Institute Of Chartered Surveyors) organisation.

You’ll receive a comprehensive Rebuild Cost Assessment (RCA) report guiding you on how much you should insure your buildings for. This is a fantastic and affordable online service which can protect you, your home, holiday home or buy-to-let property from the potentially severe consequences of under-insurance.

Rebuild Cost Assessment Prices Start from as low as £193.50.

However we have negotiated a SPECIAL DISCOUNT of £20.00 with www.RebuildCostAssessment.com on your behalf. Simply enter the code BOSHERS20 when placing an order online to get your discount. Use the appropriate link below to order your assessment and once receive please forward a copy to your insurance adviser at Boshers.

Nb. Boshers Ltd have no commercial interest in Rebuild Cost Assessment Ltd and we do not receive any financial benefit for the referrals. We have negotiated the discount as we believe this service is a cost effective way to help our clients obtain accurate costs for rebuilding their properties.

3. Instruct a RICS qualified Chartered Surveyor to visit your property and carry out a rebuilding cost survey.

To search for a chartered surveyor in your area please click here: http://www.ricsfirms.com/

What should you do now?

If you need to adjust your insurance cover once you have reviewed your sums insured please contact us. You can call our team on 01237 429444 Monday to Friday.

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Holiday letting tips

Holiday letting tips | Essential guide for cottage owners

Holiday letting tipsAs a holiday home owner there’s so much to think about; from guest safety to website photography and Facebook posts to the internal fixtures and fittings. Or even who’s doing the changeovers and mowing the lawns before those guests roll up the driveway.

The good news is that we’re here to help. We talk with holiday homeowners and letting agents every day giving us an insight into many aspects of holiday letting. As a result we’ve put together some of our most useful articles containing holiday letting tips all in one place.

No matter if you’re looking for ideas on how to cut electricity bills or keep the visiting kids safe in the garden, here are some of our top holiday letting tips when it comes to getting the most out of your holiday home this year….

Keeping your guests safe – checks to make before the peak season

You’ll undoubtedly want your guests to have a great time in your cottage and that means that they’ll also need to have a safe time. There are a number of checks and processes you should have in place and these should always be done prior to the busy summer season.

Here are a few checks that you need to tick off the to-do list as a priority:

How to make your cottages dog friendly

There are nearly nine million dog owners in the UK and almost 40% of visitors now want to take their pet with them on holiday. If you’re looking to make the most of this continually growing market or want to fine-tune your cottage to welcome our furry friends then here are some great pointers…

Engaging with the growing green tourism market

It’s not just a welcoming cottage for our trusted canines that piques potential booking interest, as more and more of us are becoming driven by sourcing eco-friendly accommodation. A whopping 58% of English consumers surveyed by VisitEngland indicated they’d want to stay in green accommodation with awards or environmentally friendly practices. Here’s how to communicate your green credentials and a few ideas to grow them, too…

How to make your cottage a haven for families

If you’re welcoming young children into your cottage this year, you’ll need to answer all of the needs that your paying parents arrive with. Here are just a few ideas on how to make your cottage perfect for each family, no matter what the weather….

Keeping children safe on outdoor play equipment

If you’re welcoming children to your cottage then it’s certainly not uncommon to have an outdoor play area for them to enjoy. Ever wondered what you need to do in order to keep them as safe as possible whilst playing on your outdoor equipment? Here’s our guide on everything you should be doing in order to minimise the risks of an accident…

How to make a first impression

Your guests will only ever walk into your home for the first time once. It’s therefore vital you achieve that wow factor which will leave a positive lasting impression. Hampers are an easy and popular welcome gift for guests and, if used well, can start someone’s holiday off on the right foot. Here’s how to get the content right whilst also catering for those with allergies and those who like a tipple!

How to get your property photography right

A photo speaks a thousand words, so getting them right is definitely a priority! Here’s our guide to make sure your images are immaculate. Also included are some elements you might not have thought of until your photographer has made his way home!

Increase bookings by promoting your cottage as a destination

Visitors spend 80% of their time outside of your cottage, yet the average cottage website has 80% of its content focussed on what’s inside. Here’s how to promote your destination and experience in order to grab people’s attention and bookings…

Become more energy efficient

Energy bills across the UK risen considerably; by up to 10% this year and for some by more than 30% in the past 30 months. Being energy efficient is becoming increasingly important, not only to prove your eco credentials but also to keep costs down. Here’s a few ideas on how to do just that…

Electric vehicle charging points

The UK is going electric when it comes to cars and the growth continues to be exponential.  In 2012 there were just 2,254 electric cars sold in England. Fast forward to 2015 and that figure was hitting 30,000. Last year? Near 60,000 electric plugin cars were sold. If you want to welcome this growing trend of traveller then here’s all you need to know about your electric hook-up point….

Getting your insurance right

We’ve been working with holiday home owners for more than 30 years and we’re specialists in making sure that cottages across the UK have the insurance in place that they need. For more information on insuring your holiday home or cottage complex please give our experienced team a call on 01237 429 444.

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Leasehold apartment holiday let

Know your rights before buying a Leasehold Apartment to Holiday Let

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Leasehold apartment holiday letAre you considering purchasing a leasehold apartment to holiday let? Although it’s quick and easy to make a listing on the ever-growing list of rental websites; in reality there are a number of steps you should take before buying an apartment and opening your doors to paying guests. Whether you intend to let for a limited number of weeks to help with costs or to provide a more regular income you should ensure that you can comply with the terms of your lease. Have an appropriate mortgage and suitable insurance for holiday letting.

Does your lease allow you to let your property?

From insurance to your lease and mortgage agreements, we take a look at what you’ll need to be considering and the action you should be taking before letting your property…

The implications for leasehold properties

It’s estimated there are tens of thousands of leasehold properties currently listed on AirBnB and similar holiday rental sites. However, an extremely common clause in any lease is that the property must be for “private residence” possibly prohibiting the subletting of the property for short periods.

So what does that mean? In essence if you were to holiday let the apartment and your lease included this or a similar clause, you’re in breach of your lease. As a result you could face the consequences should your freeholder choose to take issue with it. These could include and extend to your landlord asking you to cease holiday letting and potential legal action.

A recent ruling in the Upper Tribunal (Lands Chamber), which is the highest property court in the land, has supported this stance. In this particular case one resident in a block of London flats fell out with fellow neighbours by letting her property on AirBnB and a range of other similar sites. When others in the block became disgruntled by her actions they asked the landlord to take action, with the case subsequently going to court.

Take legal advice to ensure the apartment is suitable for holiday letting

With a legal precedent now set, if you own a leasehold apartment and are wanting to holiday let it you should first check your lease. For those considering purchasing a leasehold apartment to holiday let it’s vital you check the terms of your lease before committing to buy. Seek advice from your solicitor and be upfront with them and the estate agent regarding your intentions to holiday let. In many popular holiday areas across the UK apartments are springing up. Some new build apartment blocks are intended for use as second homes and holiday lets. Those that are should have appropriate leasehold wordings to allow holiday letting. However do double check and seek advice.

The implications for second homes purchased with a mortgage

So does the above leasehold scenario extend to a property purchased with a mortgage?

The answer really lays in the agreement that you have with the lender. If you’re intending to let your second home to paying guests it’s important you have the right mortgage. Either:

  • secure a mortgage that allows this type of letting from the outset, or alternatively
  • consult with your existing agreement to ensure that it’s not prohibited.

Seek advice from your mortgage adviser who’ll be able to guide you through your options. They’ll provide advice to ensure you comply with the lenders requirements and source a loan to match your needs. Taking the right advice should be both cost effective and tax efficient.

Getting your holiday letting insurance right

When people visit and stay in your home they bring with them a unique range of insurance requirements. These far outreach the standard household buildings and contents policy cover you’d usually have for your home. For example:

  • what if one of your guests has an accident in your property?
  • What if you’re unable to let your property for any period of time as a result of an incident?
  • Would you be able to pay the legal fees should there be a claim made against you?
  • Does the freeholder’s block policy for the buildings insurance include cover for your fixtures and fittings?

These are all areas that could cause distress and expense were you not to have the correct insurance cover.

When holiday letting your second home to paying guests it’s essential to take advice on suitable insurance. Boshers offer specialist holiday home insurance to holiday letting owners across the UK. Need an insurance quote for your holiday letting apartment? Please give us a call on 01237 429444.

 

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