Miller & Partner

Last reviewed 28 July 2026 · Verification: public website pages fetched and read (no vendor contact)

At a glance

Entry price (GBP): Not published; Price last verified 28 July 2026
UK-based: Yes
Free trial: Not published

Vendor

millerandpartner.co.uk/airbnb-and-short-let-insurance

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UK signals

The block no global directory publishes: whether the company trades in the UK, whether it bills in sterling, whether it charges VAT and issues a VAT invoice, when its support is actually open in UK time, and where the data sits. Every line is what the vendor publishes, or a record that it does not.

UK-based: YesSource
UK support hours: Not publishedNot published on the pages checked.Checked 28 July 2026
UK phone published: YesSource · Checked 28 July 2026
Quoted in GBP: Yes
Covers platform lettings (Airbnb-style): YesExplicit and platform-specific. Airbnb, Booking.com and Vrbo are all named, along with serviced apartments. The page states that standard home or landlord insurance 'is usually not enough – and can even be invalidated once paying guests stay in your property'.Source · Checked 28 July 2026
Eligibility restrictions: Not published
Policy conditions: Not published

Pricing

Verified against the vendor's own published page on 28 July 2026. Figures are reproduced as published — we do not convert currencies or estimate a total.

Pricing model: quote-only, with published indicative premium ranges
Pricing published: Yes
Entry price (GBP): Not published
Quoted inclusive or exclusive of VAT: Not published
At 1 property: Not published
At 5 properties: Not published
At 20 properties: Not published
Booking fee: Not published
Setup fee: Not published
Minimum contract (months): Not published
Free plan: Not published
Price last verified: 28 July 2026Source

indicative annual premium ranges by letting type, banded by rebuild value FINDING: Miller & Partner publishes indicative 2026 annual premium ranges broken down by letting model (rent-a-room, single-property Airbnb, holiday let, serviced accommodation, multi-property, rent-to-rent) within a stated rebuild-value band. Figures are deliberately not recorded here — they are the broker's own indicative ranges, not quotes, and are unusually specific for this category. See the source page for the current table.

What the cover includes

Public liability: £2m–£5m for guest injuries
Employers liability: £10m standard where cleaners or managers are employed directly
Property owners' liability: Listed separately — defective premises, hazardous features, slips and trips
Loss of rent or income: 'Loss of Rent & Bookings' — income protection if the property becomes uninhabitable
Accidental damage: 'Accidental Damage by Guests' — unintentional guest-caused damage
Malicious damage by guests: 'Malicious Damage by Guests' — deliberate damage including party scenarios
Buildings: Structure at full rebuild cost against fire, flood, storm, theft, subsidence and accidental damage
Contents: 'Contents & Furnishings' — furniture, electronics, kitchenware, with guest theft scope
Legal expenses: Disputes with guests, neighbours, authorities, HMRC and platforms
Home emergency: Not published

Getting a quote

Quote methods: online proposal / quote form, telephone, email
Instant online purchase: No
Quote page: https://millerandpartner.co.uk/property-owners-quote-form

Company identity

Recorded from the vendor's own pages and, where a company number was findable, from Companies House.

Provider type: 'Authorised Representative of Gauntlet Risk Management Ltd'; business placed through 'UK insurers and Lloyd's markets'.Source · Checked 28 July 2026
Legal entity: Miller & Partner LimitedSource · Checked 28 July 2026
Companies House number: Not publishedNot published on the pages checked.Checked 28 July 2026
FCA firm reference: 1029698Published as the firm reference for Miller & Partner as Authorised Representative of Gauntlet Risk Management Ltd. The principal's own FRN is not published on the pages checked.Source · Checked 28 July 2026
Founded: Not publishedNot published on the pages checked.Checked 28 July 2026
Head office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BGSource · Checked 28 July 2026
Country: United Kingdom (Wales)
Underwriter: Not publishedNo underwriter or panel named. The site states only that it places business through 'UK insurers and Lloyd's markets'.Source · Checked 28 July 2026

Our verdict

Miller & Partner is a Swansea commercial broker whose Airbnb and short-let line sits alongside professional indemnity, contractors combined, cyber and commercial property. Miller & Partner Limited operates as an Authorised Representative of Gauntlet Risk Management Ltd under firm reference 1029698, placing business through UK insurers and Lloyd's markets. Despite being a generalist, its short-let page carries the most granular published cover schedule in this category: public liability of £2m–£5m, employers' liability at £10m where cleaners or managers are directly employed, separate property owner's liability, buildings at full rebuild cost, contents including guest theft scope, loss of rent and bookings, and accidental and malicious guest damage listed as distinct items. Legal expenses explicitly extend to disputes with platforms and HMRC, which is unusual and relevant given current UK reporting obligations. It names Airbnb, Booking.com and Vrbo and covers serviced apartments and rent-to-rent, so it reaches letting models the holiday-cottage specialists decline. It is also the only listing here that publishes indicative annual premium ranges by letting type — helpful for orientation, though they are the broker's own estimates, not quotes. No underwriter or panel is named, no company number or opening hours are published, and there is no online purchase: quoting is by proposal form or phone.

Written by The UK Holiday Let Software Directory editorial team. Nobody paid for this and nobody reviewed it before publication except us.

Third-party scores

Cited as text with the source and the date we pulled it. We do not mark these up as our own rating, and we publish no first-party reviews until we have real, verified users.

No third-party score was pulled for this listing. That is a gap in our record, not a judgement on the product.

How this listing was checked

Verification method: public website pages fetched and read (no vendor contact)
Verified: 28 July 2026
Last reviewed: 28 July 2026
Publisher relationship: none

Sources

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