Holiday lets offer valuable sources of revenue for estates and should be fully covered to mitigate commercial risks.

The popularity of rural holidays in the UK is growing and many estates are capitalising on the trend by letting out properties as short-term or holiday lets, often in connection with rural leisure pursuits.

Holiday cottage insurance is therefore increasingly part and parcel of farm and estate insurance risk and Lycetts arranges bespoke cover for estate properties let out specifically for holidaymakers.

Alongside other relevant commercial policies, Lycetts offers business interruption insurance to cover loss of income for up to 36 months, should holiday lets become affected by adverse events. We are able to offer wide cover for holiday cottages, including whilst vacant, as part and parcel of our farm and estate policies.

How to claim holiday cottage insurance.

In the event of a claim, please notify your Lycetts account executive or claims handler as soon as possible, and certainly of the incident. Some policies have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.

If the claim is to be for theft or malicious damage, please remember to report the incident to the police and obtain a crime reference number. On larger claims (in excess of 2,000), insurers may wish to appoint a loss adjuster, in which case your Lycetts team will provide advice on procedure. Regarding liability claims, it is essential that any potential claims are notified to Lycetts immediately and all correspondence is promptly forwarded to your Lycetts contact.

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Charles Foster

Norfolk

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