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Holiday insurance - UK Cottage break
jonny2510
Posts: 671 Forumite
We've just booked a cottage break, and the agent tried to flog me insurance for £32 (which I politely declined).
I have no worry about the cover for things like having to cancel (I'd be disappointed - but it wasn't *that* expensive) etc.
One thing they [STRIKE]tried to scare me with[/STRIKE] mentioned that did make me ponder was cover for accidental damage. If I accidentally set the kitchen on fire, or one of the children damages something, would I be liable? Or, would the holiday home owner's insurance be expected to cover this?
If I am liable, what cover would I need to cover accidental damage to a holiday home I'm staying in? Would it just be personal liability cover? (I've seen very basic policies elsewhere for approx £5 offering up to £1 million, which I expect would be ample - I don't think I'm *that* clumsy!!!)
I have no worry about the cover for things like having to cancel (I'd be disappointed - but it wasn't *that* expensive) etc.
One thing they [STRIKE]tried to scare me with[/STRIKE] mentioned that did make me ponder was cover for accidental damage. If I accidentally set the kitchen on fire, or one of the children damages something, would I be liable? Or, would the holiday home owner's insurance be expected to cover this?
If I am liable, what cover would I need to cover accidental damage to a holiday home I'm staying in? Would it just be personal liability cover? (I've seen very basic policies elsewhere for approx £5 offering up to £1 million, which I expect would be ample - I don't think I'm *that* clumsy!!!)
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Comments
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Read up the ts + cs to see what you will be liable for in the event of any damage you cause whilst staying there0
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Check with your Home Contents Insurers regarding personal liability cover, as you may already have it. It might not cover liability issues regarding any holiday property you rent. You can ask.
In regard to accidental damage to the holiday home, check the terms of the holiday letting. Normally renters are only liable for a fixed amount, which might be any deposit paid against damage. You would not normally be liable above the amount stated.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
What to do if damage has been caused to a property?
If you cause any damage, accidental or otherwise, to the property please notify the key holder as soon as possible. During your stay, you are liable for any damage you or a member of your party cause to the property and / or its contents. Replacement / repair costs may be covered by your insurance (if you took this option). If you didn't take out insurance for your holiday, then you will need to arrange to make any damage payment directly with the key holder or property owner.
So I guess that answers that then!
The main question is then: Is it personal liability cover I need?0
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