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Self-Catering: What is Still Needed?

Whilst yesterday’s announcement by the Chancellor was hugely welcome and has brought about much relief for many, there remains lots more to do.


Today, the ASSC has asked for the following clarification / support:


1.Self-catering operators and B&Bs who are not on Business Rates and are self-employed / sole traders seem to only be assisted by SSP. This will not cover the ongoing overheads associated with the business, even if non-operational. They should receive 80% of turnover based on last 3 years accounts, payable monthly up to £2,500.

2. Advice is needed for self-catering operators / B&Bs as to whether they should continue to operate or not. Concern / anger about people heading to rural areas to self-isolate is increasing. Aside from the potential danger, it is not helping with community relations.

3. Intervention by UK Government with regard to insurance, and whether premises should be shut down:

  • Urgent agreement between UK Government and the Association of British Insurers must be sought
  • Government advice not to travel should be deemed an acceptable instruction to insurance companies to activate business interruption cover: “Closure or restrictions placed on the Premises on the advice or with the approval of the Medical Officer of Health of the Public Authority as a result of a notifiable human disease manifesting itself at the Premises”.
  • Relaxation in the mid-term policy wording from the major insurers who have specified notifiable diseases, for 12 months (allowing COVID-19 to be included)
  • Policy wording to be relaxed in terms of ‘deniable access’ in order for cover to be able to be activated
  • Ensure a collective approach by insurance providers in respect of reduced and deferred payments, operational T&Cs and FLIEA cover
  • OTAs should be made to make guests use individual travel insurance, not use hosts as travel insurers and automatically offer cancellations with full refund
  • Travel insurance providers should be made to honour contractual obligations.

We will continue to work alongside the Scottish Tourism Alliance, VisitScotland, UK Hospitality, Trade Associations and other stakeholders as this crisis unfolds.


Fiona Campbell

Chief Executive

Association of Scotland’s Self-Caterers

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