Holiday Lodge Insurance

Our leisure home insurance is tailored to your needs and designed for holiday lodge and chalet owners. Built around you, covering what matters to you most, and giving you peace of mind.

0344 892 1413

Weekdays 9am–5pm, (7pm on last Mon of month), Sat 9am–12:30pm

Request a callback Renew your policy

About Holiday Lodge Insurance


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 aim to call you back within 24 hours* to take you through the next steps.


New For Old Cover

We can offer new for old cover for your lodge or chalet if they are less than 20 years old, for the lifetime of the policy.


Flexible Cover

Our flexible polices mean that we can find the cover that best suits you, with optional covers such as hiring out and homecare emergency.


Specialist Friendly Team

We have dedicated advisors, based in the UK, who specialise in leisure homes available 5 days a week.

Features of Holiday Lodge Insurance

Standard cover

Storm and Flood Cover

With Towergate your policy covers you for storm damage as standard. If your leisure home is in a flood risk area you might find other insurance providers can't cover it or will exclude flood cover. We aim to find you cover including flood cover as standard.

Theft or Attempted Theft

We’ve included theft and attempted theft through violent or forcible entry as standard on our holiday lodge policies, so you can rest assured that you are insured against damage or loss caused as a result.

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.

Accidental Damage Cover

We include accidental damage cover as standard on our policy to give you that extra peace of mind.

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

Additional cover

Hiring Out

Should you want to hire out your lodge when you are not using it we can add this to your cover. This will cover you for loss and damage while the lodge is let or lent.

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.

Key protection

We can offer you 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.

Holiday Lodge Insurance FAQs


How much is 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.


What is new for old holiday lodge insurance?


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.


How does leisure home insurance or static caravan insurance work?


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


Can I get holiday lodge contents insurance?


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.


Can I pay my holiday lodge insurance in monthly instalments?


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


Where can I find full details of my policy?


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.


How will my documents be sent?


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.


How do I renew my policy?


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.


What document do I need to show as proof of insurance?


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.


Is there a charge to cancel my policy?


Yes – to cancel your Caravan policy there is a £30 cancellation charge.


Are there any other charges to consider when cancelling my policy, other than the £30 cancellation fee?


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.


I have included an optional additional product in my policy, am I able to remove this?


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.


Do I have access to an online portal?


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.

Product and Service Support

Policy Documents

These are just some of the key features and exclusions, full details will be found in your policy wording.

Policy wording

Uploaded: 5/12/2021

1.25 Mb

Insurance product information document

Uploaded: 5/12/2021

339 Kb

View all documents
Policy documents

How do I make a claim?

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 0344 892 1416 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim