Insurance for £10k Contents During an AirBnB Stay? 13 April 2022 at 2:23PM in Insurance & life assurance 4 replies 151 views

mlaf

My wife and I have sold our house to emigrate to Canada. To accomodate our buyer, we are temporarily moving to a UK AirBnB (cottage) for 1 month before flying out, and we are taking our contents with us (~£10k value) to the AirBnB before shipping them overseas.

I've just got off the phone with our current contents insurer AXA who have said they won't insure the contents during the AirBnB stay. And I don't think a domestic travel insurance would cover that value either.

For the items we won't actually need with in the cottage, the best I've come up with is putting them into a storage unit that offers its own insurance. However, I'll need my work computers and related equipment in the AirBnB, not to mention our clothes, etc., which is at least a £3k value, so we'll definitely need some kind of cover!

Any ideas as to how we could cover our contents?

Shedman

Urban Jungle covers contents for renters and its a rolling one month contract so maybe that might be suitable.  

https://hello.myurbanjungle.com/urban-jungle/?utm_source=google&utm_medium=cpc-brand&utm_campaign=brand&gclid=CjwKCAjw6dmSBhBkEiwA_W-EoJCbwew49Oubw23n_vV0gwC4waaP7shvQ9mNaBSWKfkxXqIDdjobixoCEwIQAvD_BwE

Shedman

Have you checked with AirBnB and/or the Host as to whether they already cover guests possessions and if so the limits as reading the page on Host Liability Insurance on the AirBnB UK help pages it reads as if they do?

mlaf

Thanks Shedman. That's all super helpful.

Had a chat with AirBnB and you're correct that they have a host liability insurance which covers up to $1m if the host is at fault, so that's a good start. It appears we wouldn't have cover if the host isn't at fault, though, so I'm trying to figure that one out.

Urban Jungle was a good idea. They weren't willing to commit to whether the AirBnB qualifies under their definition of a private domicile, but it could work for some if you feel it fits their definition. They don't cover business equipment owned by an employer (my own company), so if I go with them I'll have to find separate insurer for the work stuff.

Sandtree

Its a short term rental, doesn't really matter if you arranged it via a local estate agent, AirB&B or the Serviced Apartments Co, what will matter is if it ticks the definition of your primary residency/home (or whatever term the insurer has chosen to use) which if its the only home you have at the time it should.