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Cautionary tale!
Hi,
I have just returned from Fuengirola, I have an apt in Los Pacos (a district of) and I would just like to tell you this story. I rented my apt to 2 neighbours of mine in the uk, nice people. Work allowed me to go out (lack of), so I stayed at my dads place about 20 mins away on foot. My neighbours turned up with son and his girlfriend, (we only ever let to 2 people even though it is 2beds), we NEVER let to under 25s they are both 18/17. No problem the mother will ensure a tidy exit from out apt, as she is very clean and tidy. We do not have a cleaner as we charge very little to let it out to friends and family as I see it as sudsidization of my costs, therefore you leave it as you found it! My neighbours all fell out, young against oldies so mother and hubby go on a boat trip in the harbour, the type that bounces over waves etc. The mother breaks her back in 2 places (luckily not spinal column just verterbrae, which is bad enough!) That is where it all went wrong. I was called on immediately as she was taken to the CDS hospital near Marbella. As the person with the local knowledge I was the main man, sorting out the buses to go to Hospital everyday, and acting as translator. It turns out they have no Holiday insurance!!!! I spent 5 days frantically going through options (E111 covers treatment But not rehab and most of a break like this is rehab) 1) airlift (very expensive) 2) hire a ground floor apt to stay in with hubby for 3 weeks as break recovers 3) Rehab care in a local rest home (around 900E per week) The woman was emotional (as you would expect) staying in a foreign hospital with foreign food no understanding of the language, customs or situation. Consequently she changed her mind constantly as should I stay or should i go! She finally made it back to Uk yesteday on an airlift costing 10K I spent 8 days costantly going to Hospital every day on the bus, an ardous task in the heat and it takes about 5 hours out of you day. The husband had been in bits in spain, and the teenagers where left in the apt all the time. My apt was trashed, and when I arrived the air con was on full with all the windows open! Is is really worth renting it out! LPH |
Re: Cautionary tale!
Originally Posted by Lospacoshombre
(Post 8703611)
Hi,
I have just returned from Fuengirola, I have an apt in Los Pacos (a district of) and I would just like to tell you this story. I rented my apt to 2 neighbours of mine in the uk, nice people. Work allowed me to go out (lack of), so I stayed at my dads place about 20 mins away on foot. My neighbours turned up with son and his girlfriend, (we only ever let to 2 people even though it is 2beds), we NEVER let to under 25s they are both 18/17. No problem the mother will ensure a tidy exit from out apt, as she is very clean and tidy. We do not have a cleaner as we charge very little to let it out to friends and family as I see it as sudsidization of my costs, therefore you leave it as you found it! My neighbours all fell out, young against oldies so mother and hubby go on a boat trip in the harbour, the type that bounces over waves etc. The mother breaks her back in 2 places (luckily not spinal column just verterbrae, which is bad enough!) That is where it all went wrong. I was called on immediately as she was taken to the CDS hospital near Marbella. As the person with the local knowledge I was the main man, sorting out the buses to go to Hospital everyday, and acting as translator. It turns out they have no Holiday insurance!!!! I spent 5 days frantically going through options (E111 covers treatment But not rehab and most of a break like this is rehab) 1) airlift (very expensive) 2) hire a ground floor apt to stay in with hubby for 3 weeks as break recovers 3) Rehab care in a local rest home (around 900E per week) The woman was emotional (as you would expect) staying in a foreign hospital with foreign food no understanding of the language, customs or situation. Consequently she changed her mind constantly as should I stay or should i go! She finally made it back to Uk yesteday on an airlift costing 10K I spent 8 days costantly going to Hospital every day on the bus, an ardous task in the heat and it takes about 5 hours out of you day. The husband had been in bits in spain, and the teenagers where left in the apt all the time. My apt was trashed, and when I arrived the air con was on full with all the windows open! Is is really worth renting it out! LPH The way your luck is going I bet you have thrown away the winning lotto ticket they left you for compensation when you cleared their mess up:eek: |
Re: Cautionary tale!
Gosh LPH...how awful !!
Hope your able to sort out your apartment and recover from all the upheaval ..you must be worn out! Nice of you to help your neighbours out though...:thumbup: |
Re: Cautionary tale!
Originally Posted by Lospacoshombre
(Post 8703611)
Hi,
I have just returned from Fuengirola, I have an apt in Los Pacos (a district of) and I would just like to tell you this story. I rented my apt to 2 neighbours of mine in the uk, nice people. Work allowed me to go out (lack of), so I stayed at my dads place about 20 mins away on foot. My neighbours turned up with son and his girlfriend, (we only ever let to 2 people even though it is 2beds), we NEVER let to under 25s they are both 18/17. No problem the mother will ensure a tidy exit from out apt, as she is very clean and tidy. We do not have a cleaner as we charge very little to let it out to friends and family as I see it as sudsidization of my costs, therefore you leave it as you found it! My neighbours all fell out, young against oldies so mother and hubby go on a boat trip in the harbour, the type that bounces over waves etc. The mother breaks her back in 2 places (luckily not spinal column just verterbrae, which is bad enough!) That is where it all went wrong. I was called on immediately as she was taken to the CDS hospital near Marbella. As the person with the local knowledge I was the main man, sorting out the buses to go to Hospital everyday, and acting as translator. It turns out they have no Holiday insurance!!!! I spent 5 days frantically going through options (E111 covers treatment But not rehab and most of a break like this is rehab) 1) airlift (very expensive) 2) hire a ground floor apt to stay in with hubby for 3 weeks as break recovers 3) Rehab care in a local rest home (around 900E per week) The woman was emotional (as you would expect) staying in a foreign hospital with foreign food no understanding of the language, customs or situation. Consequently she changed her mind constantly as should I stay or should i go! She finally made it back to Uk yesteday on an airlift costing 10K I spent 8 days costantly going to Hospital every day on the bus, an ardous task in the heat and it takes about 5 hours out of you day. The husband had been in bits in spain, and the teenagers where left in the apt all the time. My apt was trashed, and when I arrived the air con was on full with all the windows open! Is is really worth renting it out! LPH |
Re: Cautionary tale!
The point I am making is:-
1) some people are so silly not taking out holiday ins 2) how everybody gets dragged down off the back of it 3) how when you let at a cheap rate how you will be taken advantage of My conduct towards my neighbours has been "beyond the call of duty" and I accept that a broken back has to be more important than a dirtry apt, but it shows you that a bit of bad luck and stupidity (no insurance) causes mucho heartache ! regards lph |
Re: Cautionary tale!
Originally Posted by Lospacoshombre
(Post 8704372)
The point I am making is:-
1) some people are so silly not taking out holiday ins 2) how everybody gets dragged down off the back of it 3) how when you let at a cheap rate how you will be taken advantage of My conduct towards my neighbours has been "beyond the call of duty" and I accept that a broken back has to be more important than a dirtry apt, but it shows you that a bit of bad luck and stupidity (no insurance) causes mucho heartache ! regards lph Other peoples stupidity makes for a good anicdote round the table though;) |
Re: Cautionary tale!
If your guest had injured themselves in your flat would they be claiming the 10k airlift back from you?
Is it a legal requirement to have public liability insurance when renting out property? Does everyone actually have insurance or do most people who rent out their home just wing it and hope for the best? How much does public liability insurance cost anyway? Thinking of renting out our guest house on our land and these things worry me, especially with a pool and renting to a family with children. |
Re: Cautionary tale!
Originally Posted by billgates
(Post 8705244)
If your guest had injured themselves in your flat would they be claiming the 10k airlift back from you?
Is it a legal requirement to have public liability insurance when renting out property? Does everyone actually have insurance or do most people who rent out their home just wing it and hope for the best? How much does public liability insurance cost anyway? Thinking of renting out our guest house on our land and these things worry me, especially with a pool and renting to a family with children. i could be wrong about this but, I think that a claim can only be made if there is "negligence" on the part of the property or business owner. I somone fall in a shop and breaks their leg, then it is an accident (no compo) but if someone slips on a wet patch from a leaky freezer for example, then there is negligence on the part of the shop, and compo would be awarded. The same goes for residential properties. |
Re: Cautionary tale!
Originally Posted by billgates
(Post 8705244)
If your guest had injured themselves in your flat would they be claiming the 10k airlift back from you?
Is it a legal requirement to have public liability insurance when renting out property? Does everyone actually have insurance or do most people who rent out their home just wing it and hope for the best? How much does public liability insurance cost anyway? Thinking of renting out our guest house on our land and these things worry me, especially with a pool and renting to a family with children. |
Re: Cautionary tale!
Surley any claims will be made against the boat ride operator, assuming they were legal with insurance:unsure:
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Re: Cautionary tale!
Originally Posted by billgates
(Post 8705244)
Thinking of renting out our guest house on our land and these things worry me, especially with a pool and renting to a family with children.
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Re: Cautionary tale!
You are bonkers if you don't have public liability insurance and allow others to use your apartment. It's included in my policy for the apartment and the whole policy only costs about €120 a year.
You certainly do not have to be negligent. Someone just has to injure themselves while on your property. |
Re: Cautionary tale!
Originally Posted by frigilianafreddy
(Post 8705543)
You certainly do not have to be negligent. Someone just has to injure themselves while on your property.
Several of our friends over here rent out their own houses through the summer, usually for 800-1000€ a week (with pools of course) and move themselves into a small apartment or village house for six months rental for less than that per month. Not a bad little tax-free earner. Some rent to families but not one house has pool fencing. Whether they have insurance or not I don't know, but if not then they have to rely on being lucky every time. |
Re: Cautionary tale!
And another thing -
If someone has to claim on their holiday insurance (asuming they have bought some) then surely that insurance company is going to try to recoup their costs by claiming against the property owner/boat owner/cafe-with-slippy-floor owner, etc. Anecdotal: A friend in a nearby village had his car damaged by a rockfall after last years rains. Fully comp insurance so filed claim straight away. Insurance company insisted on him finding out the owner of the land and then billed that owner for the cost of the damages. Land owner didn't have public liability insurance so had to either cough up or fight the claim in court. Don't know the outcome as yet. Both parties were Spanish. |
Re: Cautionary tale!
Originally Posted by billgates
(Post 8705637)
That's what I thought.
Several of our friends over here rent out their own houses through the summer, usually for 800-1000€ a week (with pools of course) and move themselves into a small apartment or village house for six months rental for less than that per month. Not a bad little tax-free earner. Some rent to families but not one house has pool fencing. Whether they have insurance or not I don't know, but if not then they have to rely on being lucky every time. |
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