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B&B
Apr 21, 2009 20:00:53 GMT
Post by oldmoleskins on Apr 21, 2009 20:00:53 GMT
I don't suppose any of you lot can help with this, but on the basis that if you don't ask...
being in the middle of the Norfolk Broads (well, middle-ish) we thought we might supplement our meagre pensions with a bit of grockle-fleecing. The Government encourages this, under their 'rent a room' scheme by making the first £4250 tax-free - applies to lodgers or b&b. We have a handily-placed ground floor spare 'suite', so it's just the one bedroom.
I have 2mill of Public Liability insurance with my current insurers - an outfit called RIAS who 'service' the over fifties (just creep in) as a sort of rival to SAGA.
On checking with RIAS (and SAGA too) I find that while I can have guests here 365 days of the year, they (or I) will only be covered if they are non-paying - which doesn't quite fit my business-plan. And if I take a chance on the PL, I wouldn't be covered for any of the other insured risks while 'occupied'.
Worse,
a) the underwriters cannot be bothered to exercise themselves by assessing the risk even if I'm prepared (and I am) to pay extra and would happily rather see me insure elsewhere, and
b) specialist 'trade' insurers want between - wait for it - a £1200 and £2700 to insure what I currently get for about £450, since I suddenly become a 'small hotel'!
So, two things:
If you know anyone in the B&B game, or are in insurance yourself, could you assist with my research.
If you are thinking of staying in a B&B sometime soon, ask yourself: is this the kind of place that would spend up to £2700 pa to insure me if I trip over the cat ...
OM
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B&B
Apr 21, 2009 22:03:38 GMT
Post by Tig on Apr 21, 2009 22:03:38 GMT
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B&B
Apr 21, 2009 22:19:00 GMT
Post by Spruance on Apr 21, 2009 22:19:00 GMT
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B&B
Apr 22, 2009 7:22:43 GMT
Post by Barbara on Apr 22, 2009 7:22:43 GMT
Well OM, people on here are sure trying to put the mockers on your plans ;D
When I was a childminder I had £5 millions worth for £36. I dont know if they insure other types of business.
barbara
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B&B
Apr 22, 2009 7:38:21 GMT
Post by oldmoleskins on Apr 22, 2009 7:38:21 GMT
Well OM, people on here are sure trying to put the mockers on your plans ;D When I was a childminder I had £5 millions worth for £36. I dont know if they insure other types of business. barbara Who, Barbara, you tease... who? OM. ps thanks for other tips, will be following up tonight. |
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B&B
Apr 22, 2009 7:46:21 GMT
Post by oldmoleskins on Apr 22, 2009 7:46:21 GMT
BTW don't you also need a fire certificate?  Under the ever-increasing "not me, gov" attitude that pervades anything where the Public meet the Public Servants, the good old days are gone when a friendly fireman would come round, offer some advice and write a chitty. No, what you have to do now is a sort of 'self certification'... you go online, complete a questionnaire designed to make you think about your property and proposed operation, then save and so datemark it - thus proving to all you knew the hazards. If you're found wanting in any department should the worst come to the horrible worst, 'they' can say "I told you to watch out" and you're on your own, liability-wise. OM. |
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B&B
Apr 22, 2009 8:07:39 GMT
Post by Barbara on Apr 22, 2009 8:07:39 GMT
Well OM, people on here are sure trying to put the mockers on your plans ;D When I was a childminder I had £5 millions worth for £36. I dont know if they insure other types of business. barbara Who, Barbara, you tease... who? you got mail  OM. ps thanks for other tips, will be following up tonight. |
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B&B
Apr 22, 2009 8:09:01 GMT
Post by Barbara on Apr 22, 2009 8:09:01 GMT
I have sent you a PM, OM. ;D Its like a code.  |
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B&B
Apr 22, 2009 10:41:35 GMT
Post by Spruance on Apr 22, 2009 10:41:35 GMT
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