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XCover Booking Protection
XCover Booking Protection

Add booking protection to a reservation. (UK BASED GUESTS ONLY - Booking protection is not currently available to non UK residents)

Samantha Williams avatar
Written by Samantha Williams
Updated over a week ago

Your guests are now able to add protection to their reservation by the click of a button.

We’ve partnered with XCover to provide you with simple, stress-free Booking Protection for your guests. With Booking Protection, your guests can confidently cancel their booking and receive a refund under certain unforeseen circumstances.

XCover makes it easy for your guests to add XCover Booking Protection when they book your accommodation. Once added by guests, they’ll receive a confirmation email directly from XCover with an activation link. After activating their XCover account they’ll be able to make a quick refund request.

Requests are handled entirely by XCover with approved claims paid instantly.

Who is Xcover?

XCover is owned by Cover Genius, a leading insurtech for embedded protection that was recently ranked #1 in the Financial Times list of fastest-growing companies and counts among its partners Booking.com, Ryanair, Turkish Airlines, SAS and many more.

Cover Genius has won dozens of industry awards in the US, EU, UK, Asia, India and Australia for its claims handling and customer support.

Benefits of Xcover Booking Protection:

  • Save time and hassle – refund requests are handled entirely by XCover.

  • Fast claims processing by XCover, who aim to complete 95% of claims within 3 business days

  • Guests can view their documents, modify, and cancel their booking protection policies directly from their XCover Accounts.

  • Instant payout of approved refund requests and 24/7 claims submission.

How does it work for guests:

We've made opting in or out for XCover Booking Protection a seamless process for guests. Guests can easily choose whether or not to add protection during the booking process, and they'll receive an email confirming their XCover Protection. Immediately after booking, all guests will receive a confirmation from XCover with clear instructions for activating their account and making any refund requests. As well as making refund requests, your guests can view their documents, and modify and cancel their policies directly from their XCover Accounts.

How do guests make a refund request?

The XCover refund request process is quick and hassle-free, with payment or reimbursement for approved requests processed instantly.

To make a refund request the guest will first need to activate their XCover Account. To do this they'll simply find the confirmation email from XCover in their inbox and will need to click the link to set up their XCover Account.

Booking Protection covers the Accommodation charge and Taxes only, - Optional Extras, Cleaning Fees, and Security Deposits are to be refunded by you directly IF applicable.

How the refund process works:

FAQ's

How does XCover work with my current terms and conditions?

XCover’s terms are accepted by guests when making a booking and effectively supersede your own Terms and Conditions as full payment is taken at the time of booking instead.

How do guests cancel their XCover protection?

Guests can cancel their XCover Protection by logging into their XCover Account. Once logged in, they’ll be able to select the XCover Protection they want to cancel and click ‘Cancel Policy’. Depending on when they cancel the guest may be eligible for a refund (cooling off period).

How long does it take for booking refunds to be processed?

All refund applications are reviewed within 48 working hours and providing they have everything they need, the refund will be processed within this time frame. Guests need to check their emails to activate their XCover Account and once that’s done they can make their booking refund request.

What happens if a reservation is cancelled?

You should ONLY refund any extra's or security deposits if taken. The amount of the accommodation charged+taxes will be refunded by XCover who will do the rest in their claims process - so the guest doesn’t get paid out twice! Your responsibility is ONLY to refund any optional/compulsory extras and/or security deposit amounts if applicable.

e.g. The guest ordered a bottle of wine (that you can resell, so you can happily refund this) but maybe not the breakfast hamper that is perishable and ordered directly for those guests only and now would be wasted as they are not coming)

Can I resell the room that has been cancelled again?

ABSOLUTELY! - This is one of the benefits of using Booking Protection, as you get to keep the accommodation revenue (as it is protected (if purchased) and you get to sell the accommodation AGAIN. - Its a win, win! - No Risk and twice the benefits, worry no more about cancelled bookings.

How much does it cost me to offer Booking Protection?

We are offering this feature to you for FREE! the only 'cost' is the small transaction fee of 0.2-0.3% (Stripe) or 0.4-0.5% (Inn Charge) for the premium as paid by the guest - This is all handled via Stripe at the time of purchase, so you can sit back and relax.

What if I am using INN CHARGE as my payment gateway?

In the same way as we send you an invoice at the beginning of the month for your transaction fees, we will also send you an invoice for all Premiums that have paid during the Booking Protection process on their reservation at the time of booking.

We will take this payment from your registered card/bank account in the normal way, as you will have received the full amount of the reservation and Booking Protection Fee at the time the reservation was made, and we have to forward the premiums to XCover to ensure cover is in place.

What happens if a guest has already reserved accommodation with me?

A future release of this feature will include the option to purchase Booking Protection AFTER booking, we will update Property Owners once this is launched.

Why doesn’t Booking Protection cover EVERYTHING, and not just the accommodation and taxes?

Covering the full reservation is planned for the second iteration of this feature. Watch this space.

Can I add Booking Protection when I take manual bookings?

No, Booking Protection can only be added to online bookings. The option to add it to manual bookings will be available in the second iteration of this feature.

Can I do a trial and switch this feature off on my account if I don't want it?

Yes you can. To do this go to Extensions>Settings>Uninstall

Is the Booking Protection a fixed amount or does it depend on the number of guests?

The quote is based on the value of the accommodation charge (plus any associated taxes if applicable) - as a general rule it is around 7-8% of the value, but this can fluctuate and is calculated at the exact time of request individually

How do guests know what they are covered and not covered for?

This link explains the key things to know about your protection:

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