I want to let my flat on Airbnb and travel - will I 違反 my 賃貸し（する）, mortgage and 保険?
I 現在／一般に own a one-bed leasehold flat in London and I'm looking to take a two-month sabbatical to go travelling in July.
I'm planning to rent my flat out on Airbnb to 支払う／賃金 for my expenses abroad.
How can I 効果的に 始める，決める things up so that I can easily manage lettings from abroad? My main 関心s are 接近, きれいにする in between stays and 保護（する）／緊急輸入制限ing my personal 所有／入手s.
I'm also wondering if I will be in 違反 of anything by using my flat on Airbnb. Do I need to 知らせる my mortgage 貸す人, the freeholder or my 保険会社?
Also, will I need to 支払う／賃金 税金 on the income and if so can I use the 政府's Rent a Room allowance?
Conundrum: Our reader wants to know whether their 賃貸し（する）, mortgage 協定, and 保険 政策 許す for Airbnb lets
Ed Magnus of This is Money replies: The answers to your questions are likely to unsettle some people.
In reality, many people who let our their home for a short period of time won't even consider these 可能性のある 問題／発行するs, and most won't be calling up their 保険 provider, freeholder or mortgage 貸す人 to check either.
But technically, there is a good chance that people who do let their flats through Airbnb and other 壇・綱領・公約s will be in 違反 of either their 賃貸し（する） 協定, their 保険 政策 or their mortgage 協定 - or かもしれない all three.
株 this article
ーに関して／ーの点でs of the 税金, you will be liable to 支払う／賃金 所得税 on any income you make from Airbnb.
However, as you allude to, since this is your main home you may be 適格の for the 政府's Rent a Room 計画／陰謀.
This 計画／陰謀 enables homeowners or tenants to earn up to £7,500 each year 税金-解放する／自由な by renting out a room within their home.
The 税金 控除 is (a)自動的な／(n)自動拳銃 if you earn いっそう少なく than £7,500, meaning you won't need to 完全にする a 税金 return if you earn いっそう少なく than that.?
HMRC's 支配するs 明言する／公表する you cannot use the 計画／陰謀 if the 所有物／資産／財産 isn't furnished, or?is let whilst you live abroad.
However, a spokesperson for HMRC?明らかにするd that if the person letting out their main 住居 is 簡単に going travelling for a couple of months, then their main or 単独の 住居 will remain the same and the 税金 救済 would still 適用する.
違反 of the 賃貸し（する）: It's ありふれた for leasehold 協定s to 禁じる sub-letting, unless it's for a 最小限 of six months or on an 保証するd shorthold tenancy
For 専門家 advice we spoke to?Amanda Cupples, general 経営者／支配人 of Northern Europe for Airbnb,?マイク Hansom,?a 顧問 for 所有物／資産／財産 litigation at BLB Solicitors,?George Smith, a mortgage 仲買人 at LDN 財政／金融,?Helen Phipps, home 保険 専門家 at Compare the Market,?David Hannah, group chairman of Cornerstone 税金 and?Hannah Davidson, 上級の 同意して署名するing 経営者／支配人 at Aviva.
How can they manage bookings from abroad?
Ed Magnus replies: The prospect of managing your bookings from abroad may feel daunting, but it's perfectly possible.
You should 目的（とする） to make the 接近 to your home 安全な・保証する and simple for guests while making sure it's cleaned in between guests leaving and arriving.
Perhaps the simplest way to take care of 可能性のある 接近 problems is to 申し込む／申し出 a self-service check in, 除去するing the need for someone to 会合，会う guests at the flat.
This can be best 達成するd by 任命する／導入するing a 重要な lockbox or an electronic smart lock.
Self-service check in: 任命する／導入するing an electronic smart lock could be one way to 許す guests to come and go without the need for someone to be on 手渡す to let them in
But this is not always possible,?特に where an apartment is within a 安全な・保証する building - perhaps with a separate fob or 重要な 要求するd to enter the building.
In this 状況／情勢 you may need to organise for someone to 会合，会う them at the 所有物／資産／財産 for check-in. This could かもしれない be a friend, family member or 隣人.
A 信用d and reliable cleaner will also be 価値（がある） their 負わせる in gold in 確実にするing a smooth 移行 between guests. You may also be able to 支払う／賃金 a cleaner extra to 会合，会う guests for check-in.
Alternatively, Airbnb 許すs you to 雇う a co-host in your area 経由で its 壇・綱領・公約. Their support 範囲s from きれいにする or welcoming guests to 十分な-service 所有物／資産／財産 管理／経営.
専門家:?Amanda Cupples, general 経営者／支配人 of Northern Europe for Airbnb 示唆するs using a co-host to help manage the 所有物／資産／財産
Amanda Cupples replies:?Through the Airbnb 体制／機構 過程 we'll match you with a 'superhost' in your area who'll help get you started. For your first 調書をとる／予約するing, you can choose to welcome an experienced guest who has a good 跡をつける 記録，記録的な／記録する on Airbnb.
When it comes to managing the 名簿（に載せる）／表（にあげる）ing whilst you're away you can do this by yourself, 確実にするing that the 重要な is somewhere 安全な and 安全な・保証する and there's 十分な time between your guests arriving for a cleaner, or with the help of a co-host.
Co-Hosts are often 信用d friends, partners or someone from a professional team who can help you do things like manage your 名簿（に載せる）／表（にあげる）ing, 答える／応じる to enquiries or message guests so you can 焦点（を合わせる） on your trip.
Will they be in 違反 of their home 保険?
Helen Phipps replies:?Renting out a spare room or your whole 所有物／資産／財産 can be an 効果的な way to 上げる your income.?
However, amongst the 関連した parties you'd need to make aware, you will need to let your home 保険 provider know, as さもなければ your 政策 could be 無効にするd.?
保険 専門家: Helen Phipps of Compare the Market says 基準 home 保険 政策s 一般に won't cover you if your home is used for Airbnb
基準 home 保険 政策s 一般に won't cover you if your home is used for 商業の 伸び（る）.
As a first step, ask your 存在するing home 保険会社 if you can 延長する your 現在の 政策 (for an 付加 賞与金) so you're covered for guests renting from you.?
You might want to 含む home 緊急 cover in your 政策, as this could cover you if you need to call out 緊急 援助 to your 所有物／資産／財産, for instance if there's a burst 麻薬を吸う.
義務／負債 保険 is also 価値（がある） considering as this could cover the cost of 補償（金）, should a guest or 訪問者 be 負傷させるd on your 所有物／資産／財産.
If you're not able to 延長する your 政策, look for a provider that 申し込む／申し出s host 保険.?
This is designed for homeowners who rent somewhere out for short periods on house-株ing 壇・綱領・公約s.?
Host 保険 typically 供給するs more 保護 against 出来事/事件s, such as 窃盗, malicious 損失, and 傷害s.
Considering s hort-称する，呼ぶ／期間／用語 賃貸しの?
保険 専門家:?Hannah Davidson,?上級の 同意して署名するing 経営者／支配人 at Aviva gives her 最高の，を越す 保険 tips
1) 通知する your 保険会社: you must tell your 保険会社 of any 意向 to rent out your 所有物／資産／財産 on a short-称する，呼ぶ／期間／用語 basis.?If you don't, you 危険 無効にするing your home 保険 政策.?
2) 政策 ニュース報道: understand what your 現在の home 保険 政策 covers and 除外するs regarding short-称する，呼ぶ／期間／用語 賃貸しのs.?
3) Occupancy 限界s: check if your 保険会社 has any 付加 制限s on the number of people in the house.?
4) Lock away or 除去する any 価値のあるs or breakables from the home: to help minimise the 危険 of 押し込み強盗 or 偶発の 損失 by guests at the 所有物／資産／財産.?
5) 安全: consider 任命する／導入するing extra 安全 対策, such as CCTV, even if you are only renting your 所有物／資産／財産 for a short period of time.?
6) 革新s: 通知する your 保険会社 if you 計画（する） to renovate your 所有物／資産／財産 to 融通する guests, as this may 影響する／感情 your cover?
7) 付加 cover:?if you 計画（する） on renting out your 所有物／資産／財産 for longer periods of time, you may need specialist ニュース報道 for the 明確な／細部 危険s associated with short-称する，呼ぶ／期間／用語 賃貸しのs.
Hannah Davidson 追加するs: Most 基準 home 保険 政策s 要求する 顧客s to 接触する their 保険会社 if they are planning on letting out their 所有物／資産／財産, even if only on a short-称する，呼ぶ／期間／用語 basis.?
This is because home 保険 政策s are not typically designed for the needs of short-称する，呼ぶ／期間／用語 letting and may not cover some of the 危険s associated with this, such as loss or 損失 原因（となる）d by guests or 窃盗 of 所持品.
Does Airbnb 申し込む／申し出 保険 cover??
Amanda Cupples replies:?For peace of mind about your personal 所有／入手s we have AirCover For hosts.?
This is 最高の，を越す-to-底（に届く） 保護, always 含むd and always 解放する／自由な, that helps 保護する hosts in the rare event of an 問題／発行する during a stay. It 供給するs $3million host 損失 保護 and $1million host 義務／負債 保険.
In 新規加入, all guests 調書をとる／予約するing homes and 最初の／主要な hosts getting 調書をとる／予約するd globally on Airbnb are 要求するd to have undergone the ID 立証 過程.
Before taking the final step, make sure you're familiar with our responsible hosting 指導基準s about 地元の 法律s and if your 所有物／資産／財産 has a mortgage or 保険, always check with the 貸す人 to make sure that there aren't 制限s on hosting.?
Will they be in 違反 of their mortgage??
George Smith replies:?Renting out your 所有物／資産／財産 on a short-称する，呼ぶ／期間／用語 basis, for example through Airbnb, is ますます ありふれた.?
Some 貸す人s now 許す this without 事前の notification. 全国的な 許すs it for up to 18 weeks, while Barclays 許すs 90 days 毎年. S antander 許すs 所有物／資産／財産 letting with '同意 to let,' 支配する to a £295 料金.
However, 貸す人s such as Halifax and NatWest don't 許す short-称する，呼ぶ／期間／用語 lets, even with '同意 to let' 使用／適用s, 予定 to 不快 with their transient nature.?
It's 慎重な to review your 貸す人's 条件, as unauthorised letting could 侵害する／違反する your mortgage 条件, 主要な to serious consequences.
Also, consider the overlap of your 現在の mortgage 取引，協定's end with your planned 賃貸しの period, which can 複雑にする 交渉s.?
接触するing your 仲買人 for advice on your 選択s is always recommended.
Mortgage 専門家: George Smith, mortgage 仲買人 at?LDN 財政／金融 警告するs that depending on the 貸す人, people may be in 違反 of their mortgage 協定 when they use Airbnb
Will they be 違反ing the 賃貸し（する）??
マイク Hansom replies: First, check whether your 提案するd use would 違反 your 賃貸し（する）. The rise of Airbnb-type lettings has resulted in some （疑いを）晴らす 指導／手引 from the Lands 法廷, which the 法廷，裁判所s have 可決する・採択するd.
賃貸し（する） 条件 変化させる かなり, and each 事例／患者 must be considered on its facts. Does your 賃貸し（する） 含む／封じ込める a covenant (制限) not to use the flat other than as a '私的な 住居' or as a 'dwelling for 占領／職業 by a 選び出す／独身 family'??
If it does, you will likely be in 違反 by letting on Airbnb as a '住居' or 'dwelling' 要求するs a degree of permanence of 占領／職業.
Even if your 賃貸し（する） does not 含む／封じ込める this type of covenant, other 賃貸し（する） 条項s could still 妨害する your planned use.?
合法的な exp ert: マイク Hansom, a 顧問 for 所有物／資産／財産 litigation at BLB Solicitors, says there is a good chance that letting a flat out on Airbnb will be in 違反 of the 賃貸し（する）
For example, it's ありふれた for 賃貸し（する）s to 禁じる sub-letting unless it's for a 最小限 of six months or on an 保証するd shorthold tenancy.
The 法廷，裁判所s have been swift and 強健な in their 治療 of lessees whose Airbnb-type use 違反s their 賃貸し（する）s.?
You 危険 the landlord bringing a （人命などを）奪う，主張する for an （裁判所の）禁止（強制）命令 軍隊ing you to stop the unlawful use, or even a （人命などを）奪う，主張する to 没収される your 賃貸し（する）.?
Assuming the unlawful use had stopped, it's ありそうもない you would lose your flat, but the 法廷，裁判所 or 法廷 would likely order you to 支払う／賃金 補償（金） and costs to the freeholder.
Will they need to 支払う／賃金 税金 on the Airbnb income?
David Hannah replies:?The rent-a-room 計画／陰謀 適用するs to short-称する，呼ぶ／期間／用語 賃貸しのs, 許すing individuals to utilise it if they operate on 壇・綱領・公約s such as Airbnb.
Alternatively, homeowners renting out rooms through Airbnb can take advantage of a 税金-解放する／自由な '所有物／資産／財産 allowance' of up to £1,000 per 税金 year.?
However, this allowance cannot be （人命などを）奪う，主張するd 同時に with the rent-a-room allowance, making it unsuitable for everyone.
In most 事例／患者s, homeowners 選ぶing to rent out a room - up to the 最大限 of 90 days per year - are likely to find the rent-a-room 計画／陰謀 more advantageous.
税金 専門家:?David Hannah group chairman of Cornerstone 税金 says the £7,500 税金 解放する／自由な rent-a-room 計画／陰謀 適用するs to short-称する，呼ぶ／期間／用語 賃貸しのs, 含むing 壇・綱領・公約s such as Airbnb
In the UK, rent-a-room 救済 許すs individuals to earn up to £7,500 per year 税金-解放する／自由な from letting out furnished accommodation in their own home.?This 限界 is halved where more than one person 利益s from the income.?
The income 限界 encompasses all 告発（する），告訴（する）／料金s you 課す on your tenants for the 賃貸しの service, 含むing 料金s for きれいにする, meals, or laundry.?
Therefore, if you use the rent-a-room 計画／陰謀, you cannot subtract any expenses from your 賃貸しの income.
If your lodger 支払い（額）s 越える £7,500, you must とじ込み／提出する a 税金 return. When filling out the 所有物／資産／財産 section of your return, you have two 選択s for how to 扱う this income.?
Firstly, you can choose to 支払う／賃金 税金 on your 利益（をあげる）s as usual for a 賃貸しの 商売／仕事, by calculating and 支払う／賃金ing 税金 based on your actual 利益（をあげる） after deducting expenses.
Alternatively, you can 選ぶ for a 税金-解放する／自由な allowance of £7,500 (£3,750 if you're part of a couple), with any 超過 rent 存在 支配する to 所得税.
Life 保険
Landlord 保険
