To think I don't need £2million worth of insurance for a holiday cottage?

[WinniethePoohinthePool]

I've just booked a holiday cottage in the UK for one week. The woman at the letting agency tried to add £22 for insurance. When I said I already had holiday insurance, she said 'does that include indemnity?' I asked her what it meant and she said it would cover spilling red wine on carpet, breakages and burning the cottage down!

I laughed and promised I wouldn't do the latter to which she said 'that's what some of our guests thought and they had to sell their home to pay costs when they caused a fire in one of our properties!'

Surely, that would be covered by the cottage owner's building insurance?

Does anyone else take out this extra insurance?

Sounds like scare tactics. Phone your insurance company and ask what you're covered for. Make sure you're covered for damage to property. As well meaning as I'm
Sure you are things can break and if hate to see you charged through the nose. Enjoy your holiday though!

Thanks, Tina - am looking forward to our holiday, whatever the weather

Sounds like scare tactics
Yes.

Surely, that would be covered by the cottage owner's building insurance?
Yes again.
It's possible of course that the owner is saving money by not having building and contents insurance. Personally if that was the case I'd wonder what other corners have been cut. Gas/electricity safety?
I would find somewhere else where this wasn't an issue.

Just re-read your nickname and realised my error!

She's talking a load of shit.
I have several cottages on the farm that I let out for holidaymakers and they are covered by my insurance for damage caused by guests.
They do have to put down a modest bond, and if they cause damage that covers my insurance excess but that's it.

If the owners of your rental property haven't got insurance then that's their problem not yours.

Thanks for replies. Didn't want to shell out for another lot of insurance!