Furnished homes for displaced policyholders and relocating employees, in the UK and across Europe, on stays measured in months rather than nights.
The short version
A policyholder is out of their home and the claim clock is running. You need somewhere suitable, for as long as the repair takes, in the right school catchment, with the dog, and invoiced against a claim reference your system will accept.
We place people in furnished homes and apartments across the UK and 27 European markets. We are an accommodation agency, not an insurer and not a loss adjuster: you keep the claim, we handle the housing.
What breaks a placement
Nightly rate is rarely what causes a policyholder complaint. These are.
A family with a dog cannot be placed in most corporate housing stock, and finding out at handover costs you a week. We ask about pets in the first exchange and filter on it, and confirm it in writing before you approve.
Step-free access, a ground-floor bedroom, a wet room, lift access with a working lift. These are building facts, so we check them against the building rather than the listing.
A displaced family will take a smaller home in the right catchment over a larger one that means two new schools mid-term. Tell us the school and the workplace and we search around them.
Six weeks and six months are bought in different markets. We price the stay for the period you actually expect, and re-price it honestly if the repair slips.
Repairs slip. We hold the same property where the owner agrees and tell you early when they do not, rather than moving a family twice.
Address, dates, occupants, what was booked and what it cost, in a form that survives an audit of the claim file.
Coverage
The UK alternative-accommodation market is well served. The gap opens the moment the loss is not in Britain.
A policyholder displaced in France, Spain or Germany, an expatriate policy, a UK insurer with European exposure, a relocation that crosses a border. The UK-only and London-only providers cannot place any of it, and each local market is a different language, a different rental structure and a different set of registration rules.
The same team handles a claim in Lyon or Dresden as one in Cardiff.
Assignees and new hires on three to twelve month terms, families needing more than one bedroom, and flexible payment terms. Same network, same invoicing, no minimum panel process to join first.
How it is bought
Which market you buy in decides the cost more than the rate you negotiate inside it.
Swipe to compare →
| | Hotels | Booking platforms | Local letting agent | Bonjour |
|---|---|---|---|---|
| Suitable for months, not nights | Costly beyond a fortnight | Rate rises with length | Yes, if you can wait | Priced for the expected repair period |
| Pets | Rarely | Filter is unreliable | Case by case | Filtered first, confirmed in writing |
| Accessibility | Limited stock | Listed, rarely verified | Case by case | Checked against the building |
| Invoicing | Per stay, per hotel | Per booking | Per property, per country | One invoice per claim reference, claim number on every line |
| European claims | Local booking only | No support | Local language and rules | 27 markets, one contact, one currency |
| Extensions | Rebook at new rate | Rebook at new rate | Renegotiate the tenancy | Same property where the owner agrees |
Comparison reflects how these routes typically work for multi-week displacement, not a rate comparison.
Process
Location, number of occupants, the date they need to move, the expected repair period, pets, access needs, schools and who holds budget authority. An address and a postcode is enough to start.
In the right market for that length of stay, with the property facts you need to approve it, priced against your claim reference.
One point of contact for the placement, extensions, issues and the invoice. No placement-time promise from us: a claim in a tight rural market and a claim in a city are not the same job, and you have been told otherwise before.
One invoice per claim reference, split by cost centre where panel work is spread across offices or adjusting firms, on payment terms agreed with your accounts team before the first placement.
Cost
Insurance is largely VAT-exempt, so if you cannot recover input VAT, VAT on a long placement is real money rather than cash flow.
From the 29th consecutive day of one individual's stay, HMRC's reduced value rule relieves most of the VAT on the accommodation element of the charge. It attaches to the individual occupant, not to the booking or the invoice, so a succession of short stays in one property never reaches it, and being invoiced to a company does not disqualify a placement where one person stays past 28 days. Primary source quoted in crew rotations and the 28-day VAT rule.
This is general information about published HMRC guidance, not tax advice.
Questions claims handlers ask
Yes, and it is the main reason insurers come to us. We cover 27 markets across the UK and Europe, including France, Germany, Spain, Italy, the Nordics, Poland and the Netherlands, and the same team handles a European claim as a UK one.
Yes. One invoice per claim reference, with the claim number on every line, and split by cost centre where the work is spread across offices or adjusting firms.
We filter on both at the start rather than treating them as exceptions. Pets depend on the individual owner, so we confirm it in writing before you approve a placement, and we check access features against the building rather than the listing.
From the 29th consecutive day of one individual's stay, HMRC's reduced value rule relieves most of the VAT on the accommodation element of the charge. It applies to the person, not the booking, so rotating occupants through one property does not qualify. Our note on the rule quotes VAT Notice 709/3 directly.
Neither. We are an accommodation agency. We do not handle the claim, assess the loss or hold any insurance mandate.
No. Send us one claim and see what comes back.
One claim, one location, no panel process to join first. Tell us the constraints and we will tell you what is realistic in that market.
Sources
HMRC, Hotels and holiday accommodation (VAT Notice 709/3), sections 3.1 to 3.3, reduced value rule
General information, not tax, legal or insurance advice. Checked 12 September 2026.
