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Holiday Lodge Insurance
Leisure home cover for holiday lodges and chalets
- Holiday lodge cover tailored to your needs
- New for old cover available for lodges and chalets under 20 years old
- Dedicated advisors, who specialise in leisure homes
One of the UK's leading independent insurance brokers
Why choose holiday lodge insurance with Towergate?
24-hour claims helpline
There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will call you back as soon as possible to take you through the next steps.
New for old cover for your lodge or chalet
We can offer new for old cover for your lodge or chalet if it is less than 20 years old, for the lifetime of the policy.
Flexible cover available
You are able to choose optional cover based on your requirements.
Specialist holiday lodge cover team
We have dedicated advisors, based in the UK, who specialise in leisure homes available 5 days a week.
About holiday lodge insurance
Frost damage to plumbing
As long as the necessary precautions have been taken, we will cover for frost damage to your interior boiler and fixed domestic water and heating installations. Please see our policy wording for the required precautions. Frost damage to any boiler, fixed heating or water installation over 10 years old is excluded.
Accidental damage cover included
We include accidental damage cover as standard on our policy to give you that extra peace of mind. AD cover is excluded when the property is unoccupied.
Public liability insurance for holiday lodges
We offer a standard £5,000,000 public liability cover on our policies - we understand a lot of parks require this so we have built it in to our policy.
Homecare emergency
You can choose to include homecare emergency as an additional product with your policy. It provides a 24-hour helpline and assistance, including emergency repair services. Policy limit of £1000.
Key protection
You can choose to include cover for your keys if they are lost, damaged by accidental means or stolen. As well as replacement insured keys, it will also cover you for locksmith charges and new locks if a security risk has arisen. Policy limit of £1000 and cover applies to keys lost or stolen for minimum of 3 days.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0330 018 2293 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Holiday lodge insurance FAQs
We provide leisure home insurance tailored to you and your holiday lodge or chalet so the premium will depend on the level of cover you choose, the age and size of your property, the property and content values you need to insure and your claims history. Ask our advisers for more details.
If you insure your holiday lodge or chalet on a ‘new for old’ basis, we will offer a brand new, equivalent model of your property if an insured peril causes it to be damaged beyond repair. We offer new for old holiday lodge insurance for properties up to 20 years old.
Holiday lodge and chalet insurance can protect you in three main ways:
1. Public liability, usually required by your holiday park
2. Damage caused by insured risks, including storms and fire, and both malicious and accidental damage
3. Any extra covers you choose to include, such as such as hiring out cover for when the property is let or lent, homecare emergency, key protection, excess protection and legal protection
Most companies will give you the option to insure the contents of you holiday lodge or chalet as well as the property itself. However, we can offer you cover based on the specific amount of contents you want to insure. You may also choose to insure your contents on a new for old or a market value basis. If you choose new for old cover for the property’s contents you should consider how much it will cost to replace your items as new.
Yes – to cancel your holiday lodge policy there is a £30 cancellation charge.
If you choose to cancel your policy within the first 14 days, you will not be charged and a full refund will be provided, including any additional products you may have selected, as long as no claims have been made. The 14 days begin from the date your policy starts or the date you receive your documents, whichever is the latter.
If you decide to cancel your policy after the first 14 days, you will be charged, by the insurer, for the time you have been on cover and a £30 cancellation fee and our commission will be retained on a pro rata basis. Also, our customer service charge and any additional products are completely non-refundable. However, if a claim has been made, the full premium will be charged.
Our optional additional products include: Excess protection, Homecare Emergency, Legal Protection and Key Protection. Please check your documentation to confirm if you have included these products in your policy.
Yes, you can remove your optional additional products at any time. However, you will only receive a refund of premium for these covers in the first 14 days. After the first 14 days the optional additional products are non-refundable.
If you purchased your insurance policy after August 2019, you will be able to access our online portal. Please login or call us to set yourself up on 01242 894061.
On your portal you will be able to view documents, adjust and pay for your renewal, request for one of our advisors to contact you or submit a claim. Unfortunately, our portal service currently doesn’t allow you to make mid-term adjustments or cancel your policy but we can complete these actions over the phone.
Yes, you can pay your holiday lodge insurance in instalments. To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
See our range of cover
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