F.A.Q's

We're here to help

  • HOST Q'S
    • WHY DOES MY EXISTING HOME INSURANCE NOT COVER ME?
      • Under a standard home insurance policy, you’re not allowed to use your home for commercial activities. Having paying guests to stay, in which you are making money or trading services, is classified as a commercial activity thereby invalidating your insurance.

    • CAN’T I JUST GET A LANDLORDS POLICY?
      • Under a standard home insurance policy, you’re not allowed to use your home for commercial activities. Having paying guests to stay, in which you are making money or trading services, is classified as a commercial activity thereby invalidating your insurance.

    • DOESN’T THE HOME SHARING PLATFORM HAVE INSURANCE OR GUARANTEE THAT COVERS ME?
      • Each platform has a slightly different offering so it’s difficult to be absolute. Firstly, a guarantee is no substitute for insurance, and doesn’t come with the same safeguards and regulation. Be aware of the words ‘guarantee’ and ‘insurance’ and do not confuse one for the other. In the terms and conditions for Airbnb, for example, it includes wording such as “Airbnb strongly encourages you to purchase separate insurance that will cover you and your property for losses caused by guests”, “the entire risk…remains with you” and they make it clear that their Host Guarantee is actually “not insurance”. For platforms that do offer insurance, you should check if the platforms insurance T&C’s. Some offer great cover, others not. The one thing to remember, and it’s as simple as it is important, the risk stops with you; it’s your home so you should take the responsibility and control of insuring it properly.

    • AM I ELIGIBLE FOR COVER?
      • As long as you have current domestic home insurance in place and you’re not a burglar we should be able to cover you automatically.
        We might need to get to know you a little better if you have made more than 1 claim in the past five years, or if:
        • You have a swimming pool
        • Your house is listed
        • You have a £50,000 feature
        • You have an item, pair or set worth more than £15,000
        We’ll always do our best to cover you, where there’s a will…

    • WHY DO I NEED EXISTING HOME INSURANCE?
      • We can only offer you automatic cover if you have existing home insurance in place as this gives us a sense of how diligently you look after your home.

    • DO I NEED TO TELL MY CURRENT HOME INSURER?
      • Yes, please be open and transparent with your insurer about your sharing activities and listen to what they say.

        In our experience, it is standard for a home insurer to remove various covers when you let a stranger into your property (accidental or malicious damage, theft for example)… which actually is fairly reasonable and understandable when you think about it from their point of view. At worst they may decline to continue to cover you, in which case please get in touch with the team and we’ll help you put a sharing friendly policy in place.

        Our HOSTCOVER works with UK home and contents policies and is not affected whether you have or have not informed them about your home-sharing activities, but there will almost always be a requirement that your standard insurer knows what you are up to if they are to consider any claim.

  • STORAGE Q'S