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Rental insurance

Posted: Sun Mar 25, 2018 10:39am
4 replies73 views5 members subscribed
Marksumpter1

Posts: 2

Location: Camposol

Joined: 24 Jan 2018

Hi all,

We are looking to hire out our villa as a holiday rental, we have house insurance through the bank but they say that normal house insurance will not cover the liability of someone staying in our villa. I have heard that others on Camposol just use normal house insurance to rent out. Can anyone advise please?

Th

frequent flyer

Posted: Sun Mar 25, 2018 12:24pm

frequent flyer

Super helpful member

Posts: 969

1082 helpful points

Location: Camposol

Joined: 9 Feb 2018

Posted: Sun Mar 25, 2018 12:24pm

For holiday letting ...you will need Liability insurance and then you need to apply to the council for a ( Turistca ) licence your property will have to be up to acceptable standard...before a licence is issued....you can get the insurance no problem without a Turistca licence ..but if someone makes a claim the insurance company will not pay out without a Turistca license in place....if your property already has a Turistca classification ...then you are in order to start holiday renting good luck.

PeterC

Posted: Sun Mar 25, 2018 5:58pm

PeterC

Super helpful member

Posts: 2233

1446 helpful points

Location: Los Alcázares

Joined: 10 Nov 2016

Posted: Sun Mar 25, 2018 5:58pm

If you rely on hoping that you would get away with a claim on an insurance that does not cover the event you could end up with your current policy being invalidated. Renters are far more likely than you to damage something, and insurance assessors are very good at detecting false statements and clailms. There are good reasons why rental insurances are dearer than normal owner-occupier ones.

apapawhisky

Posted: Mon Mar 26, 2018 8:47am

Posts: 51

29 helpful points

Location: Camposol

Joined: 26 Nov 2017

Posted: Mon Mar 26, 2018 8:47am

Check with your insurance company your public liability may be included if not you may pay an additional premium

Cazz67

Posted: Mon Mar 26, 2018 11:46am

Posts: 18

9 helpful points

Location: Lo Pagan

Joined: 27 Jun 2017

Posted: Mon Mar 26, 2018 11:46am

Contact Caren at Iberian Insurance on 0034 966765619

www.iberianinsuranceservicesesp.com

There normal house has an option to add if the property is to be rented out. 

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