Travel insurance and AbsoluteCover

Two different things

AbsoluteCover for hosts and for guests sits on the reservation the moment it is confirmed. You do not add it. The guest does not tick it. The 15% programme fee they pay on the stay subtotal funds checkout, verification, support and this guarantee. It is not a premium for a travel-insurance product we sell.

Travel insurance — delayed flight, luggage, illness on the road — is something a guest may buy elsewhere, in their own name, from an insurer we do not underwrite. Do not tell them AbsoluteCover is that policy. Do not sell them a policy at the gate.

What cover is for hosts

Verification (SIMA in Azerbaijan, biometric otherwise), screening, damage and liability limits as the AbsoluteCover page states, and a 24-hour line. A confirmed stay on nights you left open. It does not pay your mortgage if the calendar is empty. It does not replace 112.

Read AbsoluteCover for hosts. This article is the split. That page is the limits.

What cover is for guests

Rebook or refund if you cancel or the stay is seriously not as listed. A lock that fails, a house that is not the photographs, a night you cannot host. It is not a hotel points programme and it is not cash at the door.

Point them at AbsoluteCover for guests for stay problems, and at the Cancellation policy for a change of mind after the grace window.

What neither pays

A delayed flight. Lost luggage. A guest who is ill. A medical bill. A car on the Şahdağ road. Those may sit on a travel-insurance policy they bought — or they may sit on nobody. Absolute does not file that claim for them and does not take it from your floor.

A stay that could not happen because of a flood or a closed pass is a Cancellation policy and disruptive-event question, not an insurance form you fill in a chat.

Keep the stay on the reservation

Cover exists on an Absolute booking. Cash at the gate, a moved family, a “local rate” in a private app — the file can die and cover dies with it. Friends book the same listing.

If a guest asks you to “skip cover and split the fee”, write to info@abaz.az. That request is how we look at the stay, not a favour.

Questions

Does the 15% come out of my payout? No. It is added for the guest. Is cover optional? No. Do I need to buy host insurance as well? You remain responsible for your own income tax and for any policy you want on the building — AbsoluteCover is not a buildings policy. The Cover and Help pages are the long versions.