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I find that booking.com is only involved as a broker but does not follow through on the transaction.
Other platforms offer a more comprehensive transaction and take ownership of the guest & host relationship better. Shame really cos they charge the same fees and payout later than other platforms.
I have already setup a damage deposit but as I mentioned earlier it looks naff having to ask guests for money right after they have paid for the reservation.
At the very least booking.com should be able to block the deposit amount on the guest to avoid the host having to ask for money and then having to return them back, often using messy bank transfers.
That's my point though. I'm well aware you can get your own insurance but why doesn't booking.com offer a comprehensive cover like AirCover. For all the commission that the platform receives, hosts and guests are left to their own devices whereas in my view the platform should remain engaged and offer peace of mind to both parties by removing these additional transactions for deposit collections and insurance payments.
If you get a group of lively guests that totally mess up the apartment resulting in both costly damage and loss of revenue, you do not have any protection apart from the deposit money you have to collect. apart from being awkward to collect additional money from the guests, in most cases it will not be sufficient to cover your losses anyways.
The programme protects you against third-party lawsuits or liability claims for bodily injury or property damage.
Below are some examples of incidents that are covered if they occur during your guest’s stay.
Bodily injury (e.g. if your guest breaks their arm slipping in the shower and holds you responsible.)
Third-party property damage (e.g. if your guest accidentally leaves a tap running and causes water damage to your neighbour’s apartment below)
Below are some examples of incidents that are not covered if they occur during your guest’s stay.
Damage and/or harm caused by pets (e.g. your guest’s dog injures a neighbour)
Your own personal injury (e.g. you break your arm tripping over a step at the property)
Damage or injury from something done intentionally (not an accident)
Your own personal property (e.g. a guest breaks your TV or table)
That's not the same thing though. The liability insurance will not cover you if your guest damages the property recklessly causing you loss due to repairs and lost earnings.