This includes :
We spoke to the UK's top insurers and all of them confirmed they wouldn't cover Airbnb automatically. Over half of insurers surveyed said they wouldn't provide any specific cover for Airbnb even if their customers told them. That could mean no cover if you needed to make a claim. So it's always best to check with your insurer to see what cover you have when letting out a property for short-term letting.
Our specialist products have been designed for short-term letting and cover you for guest related incidents that may not be covered under your traditional Home or Landlord policy.
Pikl is an award-winning broker backed by a panel of Top UK insurers. We specialise in short term letting and our team has years of experience between them. We know the world of insurance can be confusing. If you have any questions, feel free to email us at email@example.com or give us a call on 0800 254 5171 and our UK advice team will be happy to help.
We spoke to the UK's top insurers and all of them confirmed they wouldn't cover Airbnb automatically. Over half of insurers surveyed said they wouldn't provide any specific cover for Airbnb even if their customers told them. That could mean no cover if you needed to make a claim. So it's always best to check with your insurer to see what cover you have. If you need any assistance don't hesitate to contact our advice team on 0800 254 5171 who would be happy to help.
Follow these easy steps if you are worried about speaking to your insurer about Airbnb:
When speaking to your insurer:
Airbnb does provide some cover but this is not always adequate in the event of a claim. The same also applies to HomeAway. Neither of these platforms provide insurance for damages to your property, although Airbnb does provide limited cover through its Airbnb Guarantee. Both websites do offer some insurance protection against liability claims (e.g. a guest suing a host after getting injured on their property) but this cover may not be enough for larger claims. We discuss why relying on the hosting platforms to cover you could leave you at risk in our articles on Airbnb and HomeAway. If you list your property on platforms such as Booking.com, you won't get any cover at all.
Yes, you need to let them know that you intend to share with Guests. Not telling your existing Home Provider could be seen as a significant non-disclosure in the event of a claim and it could cause your home insurance to be invalidated and or cancelled. You need to confirm with them that they will still cover your property for any claims not related to your hosting activity and that you will take out another insurance policy that protects the hosting element.
In most cases if your insurer agrees to cover you it means they have agreed to add the guest onto your policy as a lodger or additional family member. However, do check what is actually covered. There could be key aspects of cover that are likely missing. For example, Pikl provides cover for malicious damage by a guest and theft by a guest without forced entry. Most standard home insurance policies do not provide this cover for persons added onto the policy or if there is no forced entry. In addition, it’s unlikely they would cover you for any personal injury claims should an accident occur with your guest nor cover the costs of pursuing legal action if a guest injured you. It’s important that you check with your insurer if you have these protections and if not then consider supplementing your insurance with one of Pikl’s products. Please see our blog 'Will your home insurance cover short term guests?'' for more details.
Currently, we can only cover properties located in the United Kingdom.