Comprehensive holiday let insurance
✅ Cover for paying guests and personal use.
✅ Up to £2 million public liability per guest-related claim.
✅ Cover for theft, accidental & malicious damage by guests.
✅ Compare insurance prices through a panel of top UK insurers.
✅ Hundreds of 5-star customer reviews.
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What we cover
Choose between a range of feature rich cover options and benefits to find the package that’s best for you.
Click on the link below to get a quote in minutes.
✅ Get cover just for paying guests or cover your main buildings/contents as well in one complete package.
✅ Protection against theft, accidental & malicious damage by a guest, unlike most traditional insurers.
✅ Up to 365 days of guest-related cover if needed.
✅ Public liability for guest-related issues such as injuries and damage to third party property.
✅ No admin fees for mid-term policy changes.
Key cover features
£2 million guest-related public liability per claim
Theft, vandalism and accidental damage
Escape of water and oil
Fire, storm and flood damage
Legal expenses cover
Subsidence, heave and landslip
Loss of income
Replacement locks
Property owner & personal liability cover
Home emergency cover
Holiday let insurance reviews
Highly recommend this company
“Brilliant company. It is great to have a company that you can contact and speak to someone immediately.”
Efficient, friendly and calm.
“They explained everything patiently and didn’t advise. I am pleased with the cover for my holiday letting home and the price is very reasonable.”
Fantastic service
“Maria provided amazing, caring service for my partner when she was trying to organise insurance for her father’s property.”
Holiday let insurance FAQs
Still have some questions? Check out our answers to commonly asked holiday let insurance questions.
Alternatively, click on the link below to get a quote or get in touch if you have any questions.
Do I need public liability insurance for a holiday home?
Parts of the UK such as Scotland now require all holiday let owners to have public liability insurance in place. England and Wales may follow shortly.
Regardless of which part of the UK you live in, having adequate public liability cover in place gives you better protection in case something goes wrong. Not having cover in place could cost you £1,000s and cause significant stress and worry. At Pikl, we provide up to £2 million in public liability cover per claim. This gives you protection from claims made against you, including guest-related injuries and damage to third party property.
What is holiday home insurance?
In contrast to typical home insurance, holiday home or second insurance protects a property that isn’t your main residence. Holiday let insurance also covers issues related to when you rent this type of property out to short-term guests. Unlike with Pikl, comprehensive cover for guest-related issues isn’t always provided by most insurers, making it essential to choose the right cover if you have paying guests stay at your home. If you need cover for your holiday home or holiday let, get a quote with Pikl to compare different insurance prices.
What does holiday home insurance cover?
Depending on the type of cover you take out, holiday home insurance covers buildings and contents like a standard home insurance policy – but with the unique risk factors of the property potentially being left unoccupied for a longer period of time. Some insurance packages also include cover for when you have paying guests. At Pikl, we have a number of tailored options for all of these eventualities to make sure you have the best cover.
Buildings
Cover for the entirety of your home’s structural integrity, including fixtures and fittings.
Contents
Protects against the loss, damage or theft of items in your home.
Guest
Combined buildings and contents cover for when paying guests stay in your holiday home.
What insurance do I need for a holiday let?
The cover you require depends on what you use the property for primarily. If it’s used as the main place you live in or for tenants, you’ll need a specialist home or landlord insurance policy that also covers guests. For owners that use this property as an additional home, holiday home cover should suffice. An owner renting out their property full time will require a specialist holiday let insurance policy. Cover for paying guests may vary depending on the type of insurer, but theft or malicious damage by a guest is usually excluded.
How much does holiday home let insurance cost?
The cost of getting holiday home insurance cover depends on many things such as the type of property, how you use it and how much cover you need. At Pikl, we search through a panel of insurers to give you the most value for money
Is holiday home rental insurance more expensive?
Not having your property occupied all the time could push up the price of your premium, but each case depends on your situation. You may need less cover if you don’t keep as many belongings or valuable items at the property and this could bring your premium down. Other factors could affect the price you pay, such as your property’s location or whether you have guests. How much time you spend at your property could be a factor also.
Do you cover properties overseas?
Our insurance only covers UK properties at this time.
Who are Pikl?
Founded specifically to protect hosts and holiday let owners, Pikl is an insurance company with a mission to help owners share safely.
