Thanks for the reply Booboo. I am here for up to 6 months (-1 day ) and have no house insurance as I sold my house before I came out to look for my next home. I do however have very good car insurance, car breakdown insurance and travel insurance which covers everything including personal liability. This enquiry is for a friend from outside the UK who has no travel insurance and no home insurance, as home was sold before coming to Europe. We are just puzzled as separate landlords have not mentioned this assurance de responsibilte civil and wonder why not.