Business Details
42 Years
experience
Emergency
services
Your Trusted Holiday Home Insurance Partner in Bolton
Established in 1984, Schofields Ltd is a family-run insurance brokerage specialising in holiday home coverage across the UK, France, Spain, and Portugal. Our expertise stems from decades of understanding the unique needs of holiday property owners, having originally designed policies for the UK's largest holiday cottage letting agency. We provide comprehensive insurance solutions with minimal exclusions, prioritising personal service and direct client communication. Our policies include public and employers' liability insurance, theft cover, and protection for unoccupied properties, underwritten by Lloyd's of London syndicates. With a 14-day money-back guarantee and 24/7 claims support, we combine industry-leading security with a customer-centric approach.Our team's extensive experience since 1984 ensures tailored advice for both personal and commercial holiday lettings. We maintain strong relationships with banks, building societies, and tourist associations, with our policies widely accepted by lenders. Customer testimonials highlight our competitive pricing, flexible terms, and efficient claims resolution. As an FCA-authorised broker, we uphold strict regulatory standards while maintaining the agility to adapt policies to evolving client needs. Our commitment to innovation is reflected in our digital tools and educational resources for holiday let investors.
Services
UK Holiday Home Insurance
Overseas Property Insurance
Holiday Let Insurance
Second Home Insurance
24/7 Claims Support
Details
- Year established: 1984
Highlights and features
- Family-run business providing personal service since 1984
- 24/7 specialist claims support for urgent situations
- Tailored policies covering unoccupied properties and commercial lets
- Underwritten by leading Lloyd's of London syndicates
- 14-day money-back guarantee on all policies
Associations and certifications
- Financial Conduct Authority
- Lloyd's of London
What people say
Great service, competitive price
Fast response to quote request
Perfectly personalised to needs
Halved insurance costs
Minimum of fuss process
Services
UK Holiday Home Insurance
Comprehensive protection for UK-based holiday properties with coverage for accidental damage, theft (including guest-related incidents), and unoccupied periods. Includes public liability insurance up to 2 million and employers' liability cover. Policies provide alternative accommodation and loss of rental income protection during property uninhabitability.
Overseas Property Insurance
Specialist insurance for holiday homes in France, Spain, and Portugal. Covers structural damage, theft, and liability risks with tailored terms for European properties. Includes emergency assistance services and legal compliance support for international property owners. Available for both personal use and commercial holiday lets.
Holiday Let Insurance
Dedicated protection for commercial holiday rental properties. Features include guest-related damage cover, theft protection during vacancies, and liability insurance. Policies accommodate seasonal fluctuations with flexible terms for peak and off-peak periods. Includes business interruption coverage for lost rental income.
Second Home Insurance
Tailored policies for non-commercial holiday properties used by owners and their guests. Covers accidental damage, weather-related incidents, and security risks during unoccupied periods. Includes personal liability protection and optional add-ons for high-value contents and seasonal decorations.
24/7 Claims Support
Round-the-clock assistance for policyholders experiencing property emergencies. Provides immediate guidance for damage mitigation, coordinates repair services, and initiates claims processing. Available via dedicated helpline with specialist adjusters handling complex cases. Includes access to emergency accommodation arrangements.
Questions
What areas does Schofields Ltd cover for holiday home insurance?
We provide coverage for holiday homes in the UK, France, Spain, and Portugal. Properties must be located outside Alpine/ski resort areas and not part of holiday parks or multi-property developments.
Can I get insurance for a commercially let holiday property?
Yes, our policies specifically cover commercial holiday lets including protection against guest-related damage, theft, and loss of rental income. We work with both individual owners and letting agencies.
What liability coverage is included in your policies?
All policies include public liability insurance up to £2 million and employers' liability cover where applicable. This protects against claims from third-party injuries or property damage.
How quickly can I get a quote?
Our online quote system provides immediate estimates based on property details. For complex cases or specific requirements, our team can provide tailored quotes within one business day.
What happens if I need to make a claim?
Contact our 24/7 claims line to report incidents. We'll guide you through documentation requirements and aim to resolve straightforward claims within 48 hours, with specialist support for complex cases.
Do you offer flexible payment options?
We accept major credit/debit cards and bank transfers. Payment plans are available for annual premiums, with options to pay in full or through interest-free instalments.
Reviews (7)
Hannah Hidden
Apr 17, 2022
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We wanted insurance that genuinely offered full cover for our property to protect it and ourselves as hosts. Schofields' website was easy to navigate to get an initial quote, and this was backed up by friendly, polite, knowledge and efficient communication with staff at Schofield's over the phone and by email. We feel a sense of peace of mind with this policy in place, which is surely what all owners desire most!
Kenneth McClounnan
Apr 13, 2022
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Amazing customer service. Answered all my queries, quick replies and all round exemplar service. 5* no doubt.
Roy Cannon
Feb 02, 2022
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Great to work with people rather than computers. Easy, straight forward and upfront with any questions.
Jason Atkins
Nov 23, 2021
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The agent dealing with my policy (David Gaskell) provided a really excellent service that really gave me confidence in the policy I was buying, as this was the first holiday let I have bought so I had a lot of unknowns. I thought this level of personal service was a thing of the past!
Paul Glaser
Jul 31, 2021
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An honest and straightforward company who are responsive and professional. I first dealt with them many years ago and then contacted them recently after a gap of some years to find that everything was as efficient and professional as per previous.
Richard Evans
Jul 01, 2021
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We were very happy with the highly efficient service offered and the quality of the insurance for our home.
Michael Brookes
Jun 21, 2021
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A late post from shopping around for insurance quotes in October 2020 for our holiday cottage. Schofield's were really helpful and gave a range of options, which is nice when many insurers/brokers are often pushing only one option. Email exchanges with Jon were responsive and helpful. 5 months on, all is good!
