{"id":3482,"date":"2024-10-31T14:07:56","date_gmt":"2024-10-31T14:07:56","guid":{"rendered":"http:\/\/www.schofields.ltd.uk\/blog\/?p=3482"},"modified":"2024-10-31T15:38:29","modified_gmt":"2024-10-31T15:38:29","slug":"holiday-home-legal-expenses-insurance","status":"publish","type":"post","link":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/","title":{"rendered":"Optional Holiday Home Legal Expenses Insurance"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">3<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span><p><strong><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-7087\" src=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg\" alt=\"lawyer reading contract\" width=\"498\" height=\"332\" srcset=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg 1000w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S-300x200.jpg 300w, https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S-768x512.jpg 768w\" sizes=\"(max-width: 498px) 100vw, 498px\" \/>\u00a0<\/strong><\/p>\n<p>Running a holiday letting business is generally trouble free. However, when things do go wrong there can be lengthy and costly legal disputes. With the rise of no-win, no-fee solicitors, the chances of having a case brought against you are on the increase.<\/p>\n<h2><span style=\"color: #000080;\"><strong>What would you do if\u2026<\/strong><\/span><\/h2>\n<ul>\n<li>A guest at your holiday cottage threatens to sue you because you have deducted from their security deposit for damage, or they are demanding a refund because they were unhappy with their stay.<\/li>\n<li>You have a <a href=\"https:\/\/www.dailymail.co.uk\/news\/article-6983983\/Couples-Cotswolds-idyll-shattered-row-neighbour-ownership-tiny-7ft-x-12ft-patio.html\">boundary dispute<\/a> with a neighbour over land or parking.<\/li>\n<li>Holidaymakers cause a trail of destruction at your holiday home, and you want to pursue them for the cost of the damage.<\/li>\n<li>A guest books a stay at your holiday cottage for a week and <a href=\"https:\/\/www.dailymail.co.uk\/news\/article-9181321\/Interior-designer-46-says-lose-family-home-nightmare-guest.html\">refuses to leave<\/a>.<\/li>\n<li>A guest failed to pay the outstanding balance for renting your holiday cottage and you want to pursue them for the money owed.<\/li>\n<li>You have a dispute with the builder who has done some work at your holiday cottage.<\/li>\n<li>H M Revenue and Customs investigate your personal tax affairs.<\/li>\n<\/ul>\n<p>All these are examples of problems holiday home owners face. Although stressful to deal with, you don\u2019t have to face them on your own.<\/p>\n<h2><span style=\"color: #000080;\"><strong>What does legal expenses insurance cover?<\/strong><\/span><\/h2>\n<p>Second home legal expenses insurance is designed to help cover the cost of legal advice and litigation should a dispute relating to your holiday home arise. Legal protection typically provides insurance to cover up to \u00a350,000 to help you pursue or defend a claim in the following situations:<\/p>\n<p><span style=\"color: #000080;\"><strong>Consumer pursuits<\/strong>:<\/span> Legal costs to pursue a legal action following a breach of a contract for buying or renting goods or services for your private use in relation to the insured property.<\/p>\n<p><span style=\"color: #000080;\"><strong>Property infringement<\/strong>:<\/span> Legal costs to pursue a legal action for nuisance or trespass against the person or organisation infringing your legal rights in relation to the insured property.<\/p>\n<p><span style=\"color: #000080;\"><strong>Property damage<\/strong>:<\/span> Legal costs to pursue a legal action or financial compensation for damages against a person or organisation that causes physical damage to the insured property.<\/p>\n<p><span style=\"color: #000080;\"><strong>Consumer defence<\/strong>:<\/span> Legal costs to defend a legal action brought against you following a breach of a contract you have for selling goods (in a private capacity) in relation to the insured property.<\/p>\n<p><span style=\"color: #000080;\"><strong>Tax<\/strong>:<\/span> Legal costs incurred by an accountant if you are subject to an HM Revenue and Customs full enquiry into your personal income tax position.<\/p>\n<p><span style=\"color: #000080;\"><strong>Occupier eviction<\/strong>:<\/span> Legal costs to pursue eviction proceedings against an occupier to recover possession of a residential property owned by you, where the occupier fails to perform their obligations set out in an agreement to occupy the insured property.<\/p>\n<p><span style=\"color: #000080;\"><strong>Legal &amp; tax helpline<\/strong>:<\/span> 24\/7 legal advice helpline to discuss legal problems that arise.<\/p>\n<h2><span style=\"color: #000080;\"><strong>What legal expenses may not cover<\/strong><\/span><\/h2>\n<p>It\u2019s important to note that typically policies will not pay costs for legal proceedings if there are no reasonable prospects of success or if the amount in dispute is lower than the estimated advisers\u2019 costs to act for you.<\/p>\n<h2><span style=\"color: #000080;\"><strong>How much does legal expenses cover cost?<\/strong><\/span><\/h2>\n<p>The cost of adding legal expenses insurance to your policy is typically between \u00a315\u2013\u00a350 a year depending on your insurer.<\/p>\n<h2><span style=\"color: #000080;\"><strong>How to take out cover<\/strong><\/span><\/h2>\n<p>The annual holiday let legal expenses insurance offered by <a href=\"https:\/\/www.schofields.ltd.uk\/holiday-home-insurance-uk\/\">Schofields<\/a> is an optional add-on policy when taking out or renewing your holiday home insurance. Full details of the cover, limitations, and exclusions will be provided so you can understand the cover provided.<\/p>\n<p>For many holiday let landlords, legal expenses insurance is a useful safeguard to deal with the potentially high costs of legal disputes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">3<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span> \u00a0 Running a holiday letting business is generally trouble free. However, when things do go wrong there can be lengthy and costly legal disputes. With the rise of no-win, no-fee solicitors, the chances of having a case brought against you are on the increase. What would you do if\u2026 A guest at your holiday cottage threatens to sue you because &hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-3482","post","type-post","status-publish","format-standard","hentry","category-holiday-home-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Legal Expenses Insurance for Holiday Lets &amp; Cottages<\/title>\r\n<meta name=\"description\" content=\"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Legal Expenses Insurance for Holiday Lets &amp; Cottages\" \/>\r\n<meta property=\"og:description\" content=\"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Tips for Marketing &amp; Running a Successful Holiday Let\" \/>\r\n<meta property=\"article:published_time\" content=\"2024-10-31T14:07:56+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2024-10-31T15:38:29+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg\" \/>\r\n<meta name=\"author\" content=\"Philip\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Philip\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/\",\"url\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/\",\"name\":\"Legal Expenses Insurance for Holiday Lets & Cottages\",\"isPartOf\":{\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg\",\"datePublished\":\"2024-10-31T14:07:56+00:00\",\"dateModified\":\"2024-10-31T15:38:29+00:00\",\"author\":{\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/9155ce047da1ffc98839b2464a5d494a\"},\"description\":\"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage\",\"url\":\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg\",\"contentUrl\":\"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg\",\"width\":1000,\"height\":667,\"caption\":\"lawyer reading contract\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.schofields.ltd.uk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Optional Holiday Home Legal Expenses Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/#website\",\"url\":\"https:\/\/www.schofields.ltd.uk\/blog\/\",\"name\":\"Tips for Marketing &amp; Running a Successful Holiday Let\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.schofields.ltd.uk\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/9155ce047da1ffc98839b2464a5d494a\",\"name\":\"Philip\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9e868fd95213fdf7fdbc976d34987825?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9e868fd95213fdf7fdbc976d34987825?s=96&d=mm&r=g\",\"caption\":\"Philip\"},\"description\":\"Founded in 1984, Schofields is a family run company specialising in holiday home insurance for properties in the UK, France, Spain, Portugal and Italy. Phil Schofield leads the marketing team and offers a wealth of industry knowledge to the Schofields blog and various online publications. With over 10 experience managing holiday lets, Phil is an active member of the holiday letting and self-catering community, providing expert holiday letting advice, as well as essential holiday home marketing tips. His combination of insurance and marketing knowledge make him a key asset to the holiday rental industry. Phil Schofield has been featured in The Telegraph, A Place In The Sun, The Daily Mail and many more! To find out more about Schofields, check out the about us page.\",\"sameAs\":[\"http:\/\/www.schofields.ltd.uk\"],\"url\":\"https:\/\/www.schofields.ltd.uk\/blog\/author\/phil\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Legal Expenses Insurance for Holiday Lets & Cottages","description":"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Legal Expenses Insurance for Holiday Lets & Cottages","og_description":"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.","og_url":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/","og_site_name":"Tips for Marketing &amp; Running a Successful Holiday Let","article_published_time":"2024-10-31T14:07:56+00:00","article_modified_time":"2024-10-31T15:38:29+00:00","og_image":[{"url":"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg"}],"author":"Philip","twitter_misc":{"Written by":"Philip","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/","url":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/","name":"Legal Expenses Insurance for Holiday Lets & Cottages","isPartOf":{"@id":"https:\/\/www.schofields.ltd.uk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg","datePublished":"2024-10-31T14:07:56+00:00","dateModified":"2024-10-31T15:38:29+00:00","author":{"@id":"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/9155ce047da1ffc98839b2464a5d494a"},"description":"For many holiday home owners legal expenses insurance is a valuable safeguard to meet the potentially high costs of disputes.","breadcrumb":{"@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#primaryimage","url":"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg","contentUrl":"https:\/\/www.schofields.ltd.uk\/blog\/wp-content\/uploads\/2014\/02\/Depositphotos_231325080_S.jpg","width":1000,"height":667,"caption":"lawyer reading contract"},{"@type":"BreadcrumbList","@id":"https:\/\/www.schofields.ltd.uk\/blog\/3482\/holiday-home-legal-expenses-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.schofields.ltd.uk\/blog\/"},{"@type":"ListItem","position":2,"name":"Optional Holiday Home Legal Expenses Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.schofields.ltd.uk\/blog\/#website","url":"https:\/\/www.schofields.ltd.uk\/blog\/","name":"Tips for Marketing &amp; Running a Successful Holiday Let","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.schofields.ltd.uk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/9155ce047da1ffc98839b2464a5d494a","name":"Philip","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.schofields.ltd.uk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9e868fd95213fdf7fdbc976d34987825?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9e868fd95213fdf7fdbc976d34987825?s=96&d=mm&r=g","caption":"Philip"},"description":"Founded in 1984, Schofields is a family run company specialising in holiday home insurance for properties in the UK, France, Spain, Portugal and Italy. Phil Schofield leads the marketing team and offers a wealth of industry knowledge to the Schofields blog and various online publications. With over 10 experience managing holiday lets, Phil is an active member of the holiday letting and self-catering community, providing expert holiday letting advice, as well as essential holiday home marketing tips. His combination of insurance and marketing knowledge make him a key asset to the holiday rental industry. Phil Schofield has been featured in The Telegraph, A Place In The Sun, The Daily Mail and many more! To find out more about Schofields, check out the about us page.","sameAs":["http:\/\/www.schofields.ltd.uk"],"url":"https:\/\/www.schofields.ltd.uk\/blog\/author\/phil\/"}]}},"_links":{"self":[{"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/posts\/3482"}],"collection":[{"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/comments?post=3482"}],"version-history":[{"count":2,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/posts\/3482\/revisions"}],"predecessor-version":[{"id":7088,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/posts\/3482\/revisions\/7088"}],"wp:attachment":[{"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/media?parent=3482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/categories?post=3482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schofields.ltd.uk\/blog\/wp-json\/wp\/v2\/tags?post=3482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}