What is Required?
It is a requirement of our agency booking terms and conditions that clients are adequately insured for damage to a rented holiday property caused by you or your party. The accommodation supplier can ask to see evidence of this, and you may be refused entry to the property if you are not covered.
(Such insurance covers your liability for major damage, for example if fire or water damage occurred in the property during your stay and it was your fault. It is not the same as the security deposit, which is there for smaller value damage, breakages and losses.)
Suitable cover typically insures your personal liability for damage, etc, up to a value of £1 million - £3 million. Many travel insurance policies include the necessary cover, however some do not, including most travel insurance policies which come included with a credit card or annual business travel insurance.
We recommend your policy also covers cancellation, including due to a positive Covid test just before departure, as well as theft, medical emergency, vehicle breakdown (if applicable), etc.
To minimise the potential for disruption to your trip, we particularly recommend insurers, for example StaySure and Holiday Extras, whose standard policies provide the personal liability cover required and which offer extensions for travelling to destinations in Europe subject to a Covid-19 FCDO advisory (unless Red-listed).
If you have annual, multi-trip travel insurance, please check your policy for the cover required.
Clients who are home owners in continental Europe and North America may find that their household insurance policies also provide cover for when staying in rented properties. Please check your policy to be sure. (Such cover is uncommon in the UK as part of household insurance.)
If you live outside the UK, try Global IHI although they no longer support US residents.
Recently a US client recommended Trip Insurance Store for US residents renting a villa in Europe.
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