Holiday Homes & Parks FAQ's

This is a commercial combined policy designed specifically for the holiday and home park industry, it covers the main dangers you would expect your business to be protected against fire, lightning, storm, flood, hail, weight of snow, escape of water, theft, malicious damage, subsidence, business interruption, public and employers’ liability cover.

There are additional benefits which are included as standard. These include:

• Accidental damage to your buildings and contents
• The cost of tracing and locating leaks
• Cash cover across all your tills, automated teller machines, gaming and vending machines
• £1,000,000 corporate manslaughter cover
• Third party property damage whilst in your custody and control
• Death, injury or illness to a key person

You may find these are not included automatically in other commercial policies.

But that’s not all, if there are other areas which are important to you contact our Client Service team on 01452 801700 or your Regional Account Manager.

Your Park Owned structures – Hire Fleet, Sales Stock, Owner / Staff Accommodation – are of course at the centre of the cover but the all-important additional items such as the underground services, fixed storage chests, steps, decking, patios, hot tubs, gas bottles, skirting and associated fences and gates are also included. The additional costs of the site clearance, transport of the new structures, and siting are also included in the sums insured.

Household goods, personal possessions and clothing inside the structures are covered under the contents cover.

The policy covers the main dangers you would expect – Storm Damage, Damage to Heating / Plumbing through Frost, Theft, Fire, Flood, Escape of Water, Lightning, Explosion, Malicious Damage and Subsidence.

There are also other benefits included as standard,

• Accidental Damage to your structures or your contents.
• Damage caused by Vermin.
• Damage caused by pets
• Allows for business to be operated from your home.
• Cover for Alternative Accommodation or Loss of Rent
• Conveyancing Cover for a new owner when you have sold a structure but ownership has not yet passed to the new owners.

Yes we do - as a park owner, it’s important for you to know that all of the units on your park, even those owned by individuals, are properly insured. That’s why we have developed a policy specifically for park owners to promote to their owners.

By offering our policy, you can be sure you are recommending cover that is tailored to the needs of individuals who own park units and because of our experience, you can be confident that you are promoting suitable cover to your individual owners.

Your team could deal directly with the individual owners, promoting our insurance policy. Our Regional Account Manager will provide all the training and marketing support they’ll need to enable them to sell our policies.

Holiday and Home Parks insurance offers you the peace of mind that your individual owners are properly covered and at the same time allow you to earn a valuable sales management fee for each and every unit we insure.

Yes, the policy provides cover for escape of water and frost damage, but be aware that from 1st October to 14th March (regardless of your parks opening and closing dates) unless a full central heating system has been set to operate daily and overnight to avoid frost damage the water must be turned off any time the structures are unoccupied and a full drain down carried out whilst the park is closed.

Yes, the policy provides cover for malicious damage caused by someone hiring your caravan provided the booking is made via your park, the excess is increased to the first £350 of each and every claim. You will also have £5million of policy cover for legal liabilities to third parties.

Yes, it is covered for all insured events listed in Section 1 Standard Cover, except theft which is excluded. An increased excess of £250 applies.

Yes, your boiler is classed as part of the structures and benefits from the cover provided under Section 1 of the policy. Please bear in mind that breakdown, failure and wear & tear does not form part of your policy and you should look into taking out a separate warranty or service contract if you require this cover.

Please note that these Frequently Asked Questions are not a substitute for the policy wording.

Terms & conditions apply.

Your structures – Holiday Home / Static Caravan / Chalet / Lodge – are of course at the centre of the cover but the all-important additional items such as the underground services, fixed storage chests, steps, decking, patios, hot tubs, gas bottles, skirting and associated fences and gates are also included. The additional costs of the site clearance, transport of the new structures, and siting are also included in the sums insured.

The household goods, personal possessions and clothing inside the structures are covered under the contents cover.

The policy covers the main dangers you would expect – Storm Damage, Damage to Heating /Plumbing through Frost, Theft, Fire, Flood, Escape of Water, Lightning, Explosion, and Subsidence.

There are also other benefits included as standard,

• Accidental Damage to your structures or your contents.
• Damage caused by Vermin.
• Allows for cover whilst your unit is being hired by others (an increased excess may apply).
• Cover for Alternative Accommodation or Loss of Rent.
• Conveyancing Cover for a new owner when you have sold a structure but ownership has not yet passed to the new owner.

The above is not a full list of the cover provided; the full details and exclusions can be found in the policy wording.

We are a team made up of some of the most experienced individuals who have specialised in insurance for the park industry over the last thirty years. Combined, we have in excess of 300 years’ experience, covering all areas of service and support. From our senior management team and external client facing team through to our client service and claims managers, to individual account and claims handlers.

Having worked closely with the park industry for the last thirty years, our Holiday and Home Park team has an unrivalled knowledge of the insurance needs of holiday home owners. Using this knowledge we have been able to develop bespoke policy wordings that have been written specifically for holiday and residential home parks within the United Kingdom, (England, Wales, Scotland, Northern Ireland, the Isle of Man and Channel Islands).

“New for Old” or “Reinstatement” cover means that in the event of an insured loss to your holiday home, the insurers will pay the full cost of repair or, if damaged beyond economic repair will provide you with a new holiday home of equivalent quality.

Contents can be included on a new for old basis, other than household linen and clothing, which are covered on a “Market Value” basis.

“Market Value” or “Indemnity” cover means that in the event of an insured loss, insurers will take into account age, wear and tear, and depreciation in the settlement for a claim for repair or replacement.

The main exclusions are: loss or damage from seepage of water into the holiday home through seams or seals, (which should be avoided by reasonable maintenance); general wear and tear; the first £250 for each and every claim for escape of water or oil if your holiday home is left unoccupied during the period from 1st October to the 14th March, there are specific conditions relating to maintenance of your structure – please refer to your full policy wording for the actions you need to take when the structure is unoccupied during this period. Subject to these policy requirements being adhered to, the applicable excess will be the first £250 for each and every claim if your structure is left unoccupied during the period from 1st October to the 14th March, unless a park approved service for drain down and recommissioning has been used where a nil excess will apply. You should always check your documentation to familiarise yourself with any other exclusions.

The policy will exclude the standard excess as shown in your policy schedule, increasing to £500 for subsidence and for malicious damage by a hirer or tenant, or £250 for escape of water or oil as set out above.

Holiday Park Operator:
Contact your account manager or call our office on 01452 801 701.

Holiday Home Owner:
In the first instance, the park may be able to assist as they can provide you with details of specialist repairers in your area.

Claims contact details are:
Tel: 01452 801 701
Monday to Friday 9am to 5pm