Schofields

Last reviewed 28 July 2026 · Verification: public website pages read in-browser (the site's TLS chain blocked automated fetching; pages were read directly)

At a glance

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

Vendor

www.schofields.ltd.uk

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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: Available weekdays 9:30am - 5pm GMTSource · Checked 28 July 2026
UK phone published: Enquiries: +44 (0) 1204 36 50 80 · Premium payments: 01204 39 43 46 · Claims: 08081 756291Source · Checked 28 July 2026
Quoted in GBP: Yes
Covers platform lettings (Airbnb-style): YesYes, with an important restriction. Schofields runs a dedicated Airbnb holiday home insurance page, but states twice: 'Note: Our Airbnb holiday let insurance is for second homes. We can't cover letting your primary residence.' The holiday let page repeats: 'Our insurance for holiday lets is for holiday homes and second homes and is not suitable for renting out your main home.' So platform lets are accepted for a second property, not for home-sharing or spare-room letting.Source · Checked 28 July 2026
Eligibility restrictions: 'We cover holiday lets built of brick, stone or concrete and roofed with slate, tiles asphalt or concrete. Or a wooden property securely built on a concrete base with a pitched roof tiled with tiles or slates.' 'We do not cover static or mobile caravans.' Property must be in England, Scotland or Wales and must not be the owner's main residence or part of it.Source · Checked 28 July 2026
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 (individually rated insurance premium)
Pricing published: No — quote-only
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

annual insurance premium per property/policy No premiums are published. The site explains the rating factors instead: 'Insurers use a whole host of factors to calculate your premium – the property location, property type, security, risk of flooding or subsidence, the level of cover you require and how likely the insurer thinks you are to claim.'

What the cover includes

Public liability: £5m. The holiday let page only recommends '£5 million of public liability' as comparison guidance, but the UK holiday home page states the policy's own limit: 'Includes £5m public & employers' liability insurance' and '£5m public liability insurance - Essential cover in case someone has an injury at your UK holiday home… If you have a pool or hot tub you're covered too.'
Employers liability: £5m — '£5m employers' liability insurance - This covers legal costs if someone employed at your holiday home is injured, such as your cleaner or housekeeper.'
Unoccupancy terms: 'No unoccupancy restrictions - No requirement to inspect or occupy your holiday cottage regularly' and 'No winter warranties - As standard, no requirement to drain down, leave the heating on or turn off the water.' Also 'No security stipulations - We don't insist on fitting specific locks to doors and windows.'
Loss of rent or income: Loss of rental income — 'cover for loss of rent if you cancel bookings due to an insured event'
Alternative accommodation: 'covers the costs of alternative accommodation if your guests have to find somewhere else to stay if the property is uninhabitable due to an event covered by your policy'
Theft: Theft by a guest — 'some policies do not cover theft by a guest or theft where there's no sign of forced entry. A Schofields policy does.'
Accidental damage: Optional add-on. 'Damage by pets and malicious damage is covered also.' Pet damage requires the Plus policy with the accidental damage option.
Malicious damage by guests: Covered within the optional accidental damage add-on
Legal expenses: Optional add-on. The page suggests a £25,000 limit 'may be sufficient' as general guidance rather than stating its own limit.
Buildings: Included; sum insured based on rebuild value
Contents: Included; sum insured on a new-for-old basis
Home emergency: Not published

Getting a quote

Quote methods: online quote journey ('Start your quote'), telephone
Quote page: https://www.schofields.ltd.uk/holiday-let-insurance/

Company identity

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

Provider type: 'Based in Bolton, Schofields are Insurance Brokers and Coverholders for certain syndicates at Lloyd's of London, regulated by the Financial Conduct Authority.'Source · Checked 28 July 2026
Legal entity: Schofields LtdSource · Checked 28 July 2026
Companies House number: Registered in England No. 1811609Source · Checked 28 July 2026
FCA firm reference: Schofields Ltd is Authorised and Regulated by The Financial Conduct Authority - FCA registered number 118669Source · Checked 28 July 2026
Founded: 'We have been instrumental in arranging cover for niche areas of business since 1984, primarily insurance for holiday homes and let property.'Source · Checked 28 July 2026
Head office: Schofields Ltd, 5 The Courtyard, Calvin Street, Bolton, BL1 8PBSource · Checked 28 July 2026
Country: United Kingdom
Underwriter: 'We have negotiated wide delegated authorities to underwrite such holiday properties on behalf of certain Lloyd's Syndicates.'Source · Checked 28 July 2026

Our verdict

Schofields is a family-run Bolton broker that has arranged holiday home and let property cover since 1984, and it is a Lloyd's coverholder — meaning it holds delegated authority to underwrite on behalf of certain Lloyd's syndicates rather than simply placing business with a single insurer. Schofields Ltd is registered in England (1811609) and FCA-authorised under FRN 118669. Its holiday let page is the most detailed consumer explainer in this category, covering rebuild-value calculation, unoccupancy conditions, winter warranties and excess structures alongside the product itself. Distinctive cover points: theft by a paying guest is included as standard, which the page correctly notes many insurers exclude; loss of rent and alternative accommodation are standard; accidental damage and legal expenses are optional add-ons, with pet damage available only on the Plus policy with accidental damage selected. The holiday let page frames £5m and £25,000 only as comparison guidance, but the UK holiday home page does state the policy's own limits: £5m public liability, including pool and hot tub use, and £5m employers' liability. Three structural features are pitched harder than the limits: no unoccupancy restrictions, no winter warranties and no security stipulations. Two eligibility limits matter: static and mobile caravans are excluded, and cover is for second homes only, so Airbnb-style letting of a main residence or spare room is explicitly out of scope. Quotes are online or by phone, weekdays 9:30am–5pm. No premiums are published.

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 read in-browser (the site's TLS chain blocked automated fetching; pages were read directly)
Verified: 28 July 2026
Last reviewed: 28 July 2026
Publisher relationship: none

Sources

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