When is a Holiday Home a Chalet?

Holiday home insurance

How would you most accurately describe your hideaway in the country or by the coast – as a holiday home or a chalet? The architectural difference is often quite clear but there are certain instances when the specific features that signify a chalet can be open to confusion. Obviously, it's particularly important to differentiate between the two when insuring the property or putting it on the market.

The most common dictionary definition defines a chalet as being 'A wooden dwelling with a sloping roof and widely overhanging eaves, common in Switzerland and other Alpine regions' or 'A small wooden cabin used by holidaymakers'. Thankfully, the mountain setting is no longer obligatory and the term chalet has become widely accepted to describe any cottage or lodge built in this distinctive style. Nowadays chalets have become highly popular as holiday retreats in resorts and holiday parks both in the UK and abroad.

Mostly constructed of wood to give an attractive rustic look, chalets will quite often feature wide exterior galleries and balconies to maximise the view of their surroundings. Large windows, a steeply overhanging roof as well as decorative exterior woodwork all help to give this type of property its characteristic Alpine appearance. Of course, it's always the exception that proves the rule - not all chalets are built of wood these days. Hence the reason why getting the right Holiday Chalet insurance in place is so important.

Distinctive chalet features

  • Steeply sloping roof
  • Widely overhanging eaves
  • Usually constructed of wood
  • Compact design
  • Large windows
  • Balconies and verandas

It's fascinating to see how chalets and their image have changed over the years. Interestingly, the term was originally used to describe the very basic hut used by a sheep or goat herder on the mountains while many chalets in Europe served as seasonal dairy farms in years gone by.

Those of us who are old enough to remember the television series 'Crossroads' will be delighted to find that real chalets bear absolutely no resemblance to those shown on those notoriously shaky motel sets! Nowadays resorts and holiday parks all over the world offer well built chalets which are designed to be easy maintenance, temporary homes away from home, they prove perfectly comfortable for family use and can be as well equipped and furnished as their living space or your budget allows.

Holiday chalets are usually located in picturesque settings such as close to the beach or in parkland, beside the fairways of a golf course or in a woodland setting Their owners are usually spoilt for choice by way of sports and leisure amenities and other facilities such as bars, restaurants, shops and clubhouses provided on site, However, not all chalets are part of a holiday complex, there are stand alone examples in glorious destinations and even esplanades lined with fine individual chalets facing the sea.

Benefits of holiday chalets

  • Usually not as large an investment as a full scale holiday home
  • More compact in the design of its lay out
  • Easy to maintain and run
  • Often located in a resort or complex offering a wide range of amenities
  • Provides a popular option for renting out
  • Quick to lock up and leave
  • Less expensive to run in most cases
  • Can be cheaper to furnish and equip

More likely to be right on a beach or in a prime scenic spot

We should also touch on the subject of chalet bungalows at this point. These properties make use of their attic or loft by including extra bedrooms in these spaces. Such houses are really 1.5 storeys and are described as a chalet bungalow or dormer bungalow. They are often built using wooden weatherboarding, stone and rough faced bricks for exterior walls, porch pillars and chimney stacks.

If you're not a chalet owner yet but the idea appeals, a useful tool we came across was www.chalet4u.com. This is the largest and most regularly updated UK website for buying a holiday chalet based on British holiday parks. Operated by the British Holiday & Home Parks Association on behalf of more than 2,700 member-parks, it lists details of a wide range of pre-owned chalets currently for sale.

A search on the internet will also give you a vast range of chalets for sale on different holiday resorts around the world. As with any property purchase, compare several options. Take into account the quality of build and design, location, on site facilities and yearly costs (such as site fees, maintenance charges etc) as well as the purchase price.

Towergate offer Holiday Chalet insurance as part of their holiday home insurance policy. Phone one of our sales advisors on 0844 892 1750 for a quote or more information.

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