Liability Insurance for Students as guests?
We will have some overseas students staying with the household this year for short periods (2 - 6 weeks). They are not tenants but will integrate next to the family. the school they are attending within the UK will pay me for their stay. What liability insurance do i need to cover any claims for injury etc? Where can I achieve it from? My current building and contents insurance provider has told me that my policy doesn't cover it.
Answers:
If your insurer has advise you are not covered it could invalidate your whole policy if you suffer a loss. Particularly theft. You call for to speak with a broker which will extend your policy to cover paying guests to cover the relevant liability cover. Although they are not lodgers the extension is paying guests and if you look through your policy at the moment you will see various exclusions.
After you own the right cover, theft cover will be restricted to forced and violent entry and or exit as if the students lug from your home, as you invited them in, it would not be covered. Also malicious interrupt would be excluded if they caused it. All other theft cover and wicked damage by an unknown third party subject to force or belligerence would be covered. The most important item is the liability element which will be covered.
My friend does something similar and she uses a broker contained by Somerset. Higos Insurance. they had a specialist property team who handle slightly odd or unusual cases and she is with Norwich Union. their number 01749 834500.
OK, if THEY enjoy claims for injuries, AND you were negligent, your homeowners policy SHOULD protect you. But if they in recent times trip over air and break a leg, they'll need their own condition coverage.
Typically, they have that through the program that brought them overseas. You should check with the program director to be sure. Source(s): agent, 21+ years
Related Questions:
Answers:
If your insurer has advise you are not covered it could invalidate your whole policy if you suffer a loss. Particularly theft. You call for to speak with a broker which will extend your policy to cover paying guests to cover the relevant liability cover. Although they are not lodgers the extension is paying guests and if you look through your policy at the moment you will see various exclusions.
After you own the right cover, theft cover will be restricted to forced and violent entry and or exit as if the students lug from your home, as you invited them in, it would not be covered. Also malicious interrupt would be excluded if they caused it. All other theft cover and wicked damage by an unknown third party subject to force or belligerence would be covered. The most important item is the liability element which will be covered.
My friend does something similar and she uses a broker contained by Somerset. Higos Insurance. they had a specialist property team who handle slightly odd or unusual cases and she is with Norwich Union. their number 01749 834500.
OK, if THEY enjoy claims for injuries, AND you were negligent, your homeowners policy SHOULD protect you. But if they in recent times trip over air and break a leg, they'll need their own condition coverage.
Typically, they have that through the program that brought them overseas. You should check with the program director to be sure. Source(s): agent, 21+ years
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