Holiday Lodge Insurance

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, we offer a Direct Debit scheme for our holiday lodge insurance payments.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

When you purchase your insurance policy, we will send you a welcome email with your Policy Schedule, Policy Wording, IPID and our Terms of Business. If you have requested paper versions, these documents will be sent to you in the post. If you purchased your policy after August 2019, you can also view your documents in your online portal. If you are renewing your policy, your documents will be emailed to you in your renewal pack or available in your online portal in the ‘My Account’ section.

Your renewal information will be emailed to you before your renewal date. If you purchased your policy after August 2019, you can also view your renewal documents and make changes to your policy in your online portal in the ‘My Account’ section which will include details of what is insured and your premium for the next year.

When you purchase your insurance, we will send your Policy Schedule in your welcome email which you will need to retain as your proof of insurance. If you purchased your policy after August 2019, you can also view your Policy Schedule in your online portal.

Yes – to cancel your Caravan 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 894 174.

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.