Sorry confused. Are you in Scotland?
Do let me know Iād be happy to switch products if I could get contents !
1 Like
@JanaM is in Scotland. She says she couldnāt get normal insurance in the UK. Actually she couldnāt in Scotland.
1 Like
Ok I donāt think we have this problem in England or my insurers would have refused to cover meā¦ to be honest Iāve never heard of such a situation !
When Iām back I will ask them if the situation you describe is possible here in England. If it is it changed things for sure ā¦
Interested to see how hosts in the states have coped with this as it seems that even if you the renter take out all policies necessary your landlord will be claimed against and your own policy ignored ? I find that incredible ā¦
2 Likes
Homeowners in England: Do you guys have these situations there? I admit insurance in the US is a different animal.
I saw this firsthand when I went to rent a car in Italy. I was all worried about insurance, like if you rent a car in the US, you should get the daily CDW. Well in Italy, they had no idea what I was talking about. They insisted I didnāt need insurance and I was free to drive away! They didnāt even take down a credit card deposit.
Yeah never heard of that product (daily CDW) either.
Iād guess a landlord is actually in a better position legally if their tenant does Airbnb behind their back because they canāt be held responsible for something they donāt know about. In that situation the law would fall heavily on the tenant and the landlord couldnāt be liable?
Now in a situation where the landlord knows, gave full persmission and something happened ā¦yep theyād be liable as would the tenant and an individual could choose to go after one or both people.
This is all theoretical ā¦ we really donāt have the personal injury stuff like you guys do in the states. Possibly because we have the NHS so no huge medical bills. Iām just guessing ā¦ genuinely have no idea.
umā¦ I wouldnāt make that assumption. Ignorance may not be bliss.
Itās their property, their responsibility and their liability. But thatās why I am asking English owners who know about these things like insurance there.
Is it no big deal if the tenant does Air, and are you not liable if something happens?
1 Like
I can only say Iāll ask my insurers if the situation you describe is possible in England. The situation you describe is pretty unheard of over here.
I have an insurance product that covers guests for personal injury but you seem to be saying that wouldnāt be sufficient as theyād go after my landlord. I havenāt ever heard of that and I donāt know if itās possible in England. @JanaM can this happen in Scotland? im assuming not as your landlord didnāt raise it as a concern ā¦
Yes I could be liable if something happens ā¦(although again how likely it is I donāt know) so I took out insurance. But you seem to be saying that someone would look to either claim against my landlord or against both of us ā¦ never heard of that before ā¦ Iād have to get advice which I definitely will.
For example though if you got injured on holiday ā¦ here in the UK youād claim against your holiday insurance. The insurance I have more protects the building though yes it does have that personal injury element which I always thought was a bit of a ruse ā¦,
I mean itās good you got insurance, but make sure what you are paying for really covers your landlord too. It may not unless he or she is a named insured. And you would probably have to then disclose you are doing Air in order for them to add the landlord to your policy. But again, if English homeowners could enlighten us, that would be helpful.
I did disclose I was doing air 
I had to be 100% upfront in order to be sure the policy covered me properly. I disclosed a) I was renting and b) that I was doing Airbnb.
If I hadnāt been able to get the policy I would never have done Airbnb. So now youāve pointed this out I am taking it 100% seriously and will ask them when Iām back in the U.K.
I donāt have any guests at the moment and donāt do until Iām back (the long term guest left at the end of November). Iāll be making sure I know the situation before anyone else stays.
Really did think Iād done what I needed to do 
1 Like
Thanks Iāll try them too.
I had a job where I dealt with Willis for insurance, and our account manager said this. There is always an insurer willing to insure if youāre willing to pay the premium.
This is how it works in England as well.
It is the property owner that can be liable and there could be quite a few tenants involved. Itās because they can be easier to hunt down unless the lease is registered (e.g. itās a leasehold property). Most property owners will have public liability insurance as a matter of good business practice.
For residential tenants (e.g. assured shorthold tenancies) who are subletting/sublicensing, they should have contents insurance and perhaps public liability especially if theyāre cooking or otherwise.
A claimant (or their insurer) will go after whoever can be held liable and then those who are likely to pay out. Most insurers will prudently verify facts to ensure they are not being scammed.
1 Like
Thanks Ash you seem to know a bit about this. So as far as youāre aware the product I have is suitable cover? I donāt have contents as already noted but do have that public liability/ personal injury bit.
edit; though im still going to call Aviva to make doubly sure. My situation fits point two in your response but I will definitely get clarification. Have you ever heard about landlords being named on tenants policies?
I believe that this is possible in many areas of this country, but it isnāt as easy as you have made it sound. In order to win a judgement, the case would need to prove gross negligence and a total disregard for the safety of the guests. And, the guests would need to continue to return to the area that the suit has been filed to testify in court, and give their depositions. I donāt think anyone would do this unless they were, in fact, egregiously harmed.
Here in MA we have the homestead exemption. No one is every going to get my house an award in a lawsuit. For a lifetime fee of $40, we can claim our homes as our homestead which takes this asset of the table for ANY judgement. I highly recommend investigating if this options exists in your state, and if it doesnāt, start advocating to bring this law into play.
2 Likes
No I mean to the landlord! 
1 Like
Ahhhhh! I thought Iād already stated this somewhere in another threadā¦I had to have that conversation when I decided to go travelling and wanted to sublet. It wasnāt an issue. It seemed irresponsible to not be upfront at that pointā¦anything can happen while Iām away and so it would have been crazy not to let him know someone else was going to be in the property COOKING which I donāt allow guests to do if Iām there.
I had visions of fires starting (yes the same dreams I had in LA) and since I canāt tell someone they canāt cook for months on end I had to tell my landlord.