Holiday home

You and your business

You, your business or its subsidiary companies meet all of your legal obligations as a landlord and holiday home business.

Refer to the relevant Government websites to understand your full legal liabilities i.e. www.gov.uk/renting-out-a-property. A few examples depending on how the property is used are below. Evidence of these will need to be provided if asked for:

• 'Right to Rent' checks undertaken (in England)
• Fire risk assessments or compliance with the Regulatory Reform (Fire Safety) Order 2005
• Working smoke alarm on each floor of the residential property and working carbon monoxide detectors in rooms with a coal fire or wood burning stove
• Satisfactory current electrical installation inspection report for the property
• Residential property let under an assured shorthold tenancy or similar, you retain a copy of the following documents given to new tenants before they move in:
  1. 'How to Rent' Leaflet
  2. A valid Gas Safety Certificate
  3. Energy Performance Certificate
  4. Copy of Tenancy Agreement
  5. Copy of the Deposit Scheme & prescribed information if a deposit taken

About your property(ies)

Your property(ies):

• do not require any repair or refurbishment to make them secure or watertight and will be so maintained (this means the property(ies) are maintained, free of defects, damage and do not need repair, are watertight with no evidence of water ingress, rot or damp and are secure with all lockable doors and windows fully operational);
• are not Grade 1 Listed in England and Wales, Category A in Scotland, Grade A in Northern Ireland, or the equivalent within the Channel Islands and Isle of Man;
• the residential property(ies) or the residential part of the property will not be let to any business or any other organisation (such as but not limited to, a public or local authority, charity, association or club) unless under a tenancy agreement with that business or organisation for residential use only by its staff;
• are not and will not be:
  • sub-let;
  • used as a bed & breakfast, halfway house, emergency accommodation, foster home, hostel, shelter, rehabilitation centre or similar;
• for commercial properties only, are not located:
  • in or on airports or aerodromes,
  • within a nuclear installation.

Previous insurance and criminal convictions

This information will be used for this quote only.

If you are answering on another person's behalf, we assume you have permission to do so - please let us know if you do not.

The following Important Statements apply in any personal or business capacity.

We assume that anyone with a financial interest in the property(ies) have not:

This includes you, your family members, directors, partners, and anyone in control of the property. This does not include your tenants.

• ever been convicted of any criminal offences (excluding motoring offences and offences that are considered spent under the Rehabilitation of Offenders Act 1974)
  
  Check whether a conviction is spent
• in the last 5 years been declared bankrupt or been the subject of bankruptcy proceedings, an Administrative Receivership, a Company or Partnership or Individual Voluntary Arrangement, a Debt Relief Order, an Administration Order, a Compulsory Liquidation, a Creditors' Voluntary Liquidation, a Winding Up Order or any equivalents in Scotland or Northern Ireland?
• in the last 5 years had a policy voided
• in the last 5 years had an insurance policy cancelled where a cancellation clause has been invoked
• in the last 5 years had a renewal declined
• in the last 5 years had special terms imposed by an insurer
• in the last 5 years had a county court judgment or Scottish equivalent awarded against them

About your holiday homes

You, your business or its subsidiary companies:

• only let the property where there is a holiday let agreement (electronically or signed paper agreement) and any booking must not be less than 3 consecutive nights or more than 30 consecutive nights unless used by you, your family or your friends (friends being persons who you know and have trust in)
• do not provide or store any pedal cycles, motorised or non-motorised vehicles at the holiday home
• keep written records of any repair or maintenance to the property and of all cleaning and inspection checks between each let or no later than 5 days after the property has last been used.

Your guest(s) in your holiday home properties:

• only guests who are stated on the signed holiday letting agreement will stay overnight at the property unless the property is being used by you, your family or friends (friends being persons who you know and have trust in)
• are occupying the property solely for the purpose of a holiday.

Your property(ies):

• is adequately furnished to be used as a holiday home
• will not be unoccupied for more than 90 consecutive days at any time during the policy year
• are not and will not be:
  • your main residence
  • let out other than for the whole premises
  • let out to Stag or Hen parties
  • let to charities or similar organisations.