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Holiday Lodge Insurance

At Park Home Assist, we have been providing specialist holiday lodge insurance to holiday lodge owners throughout the UK for over 13 years. Our reputation for providing comprehensive cover at a competitive price, backed up by excellent customer service is endorsed by industry experts: Park Home Assist won an insurance industry claims service award in 2017.

Despite being one of the largest providers of holiday lodge insurance within the UK, we are a family business where we understand that customer service is key, ensuring every customer receives the very best personal and professional service.

So, for the peace of mind of an award winning claims service and excellent value for money, call us today to insure your treasured holiday lodge.

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25000

25,000 insured people so far……

1000

Over 1000 claims handled in 2017

13

13 Years Experience

2017

Insurance Times claims excellence award winners.

Included as standard
  • Park home buildings cover up to £500,000
  • Site clearance, transportation and re-siting of replacement home
  • Alternative accommodation and emergency kennelling up to 25% of the buildings sum insured if your home is made uninhabitable by any cause covered under the buildings section of this policy.
  • Park home contents cover up to £60,000
  • Valuables up to £20,000 within the park home
  • Increased contents cover by 10%, one month before and one month after a special event or religious festival
  • All contents are replaced on a new for old basis, except pedal cycles and clothing
  • All contents are replaced on a new for old basis, except pedal cycles and clothing
  • Unlimited freezer contents cover
  • £1,000 replacement lock cover for theft or loss of keys
  • £1,500 garden furniture cover
  • £5 million public liability cover
  • £7,500 business equipment
  • £2,500 cover for theft from outbuildings or garages
  • Money up to £1,000 in total or £2,500 in a safe
  • Credit cards up to £5,000 in total
  • Trace of water leak up to £5,000
  • £2,500 Escape of oil & metered water
  • Pedal cycles within the home up to £1,000
  • If you permanently live at the address the following benefits are included free of charge:
    • Accidental damage whilst moving home
    • Jury service up to £25 per day to a total of £1,500
    • Up to £5,000 of contents temporarily removed from the home whilst attending full time education (up to £1,000 per single article, pair or set).
Optional covers

What optional cover can be added to the policy?

  • Optional Accidental Damage Cover Available
  • Optional Mobility Scooter Cover
  • Optional personal possession cover
  • Optional Accidental Damage Cover On Buildings And/Or Contents
  • Optional Valuables & Personal Possessions Cover Away From The Home
  • Optional Pedal Cycle Insurance Cover
  • Optional Money & Credit Card Cover
  • Optional £50,000 Legal Protection Cover
      (Including cover for park operator disputes)
  • Optional 12 Months Instalment Facility (At small additional charge)
Discounts & Benefits

Holiday Lodge Insurance Discounts & Benefits

  • Up To 20% No Claims Discount Available;
  • Over 50’s 10% Age Discount;
  • Up To 20% Selected Parks Discount;
  • Holiday Lodge Buildings Cover Up To £500,000 As Standard
  • Site Clearance, Transportation and Re-siting of Replacement Home As Standard
  • Holiday Lodge Contents Cover Up To £60,000 As Standard
  • £500 Freezer Contents Cover As Standard
  • £5million Public Liability Cover As Standard
  • No Additional Charge For Payment by Credit or Debit Cards
      (All Contents are replaced new for old except household linen and clothing)

Note: A Leisure Lodge and Holiday Lodge is a lodge which is built to the British Standard BS3632. If your home is not built to BS3632 we may well still be able to provide cover but the cover may vary slightly.

Legal Inclusions

What’s included in Holiday Lodge Legal Costs Expenses

Legal costs incurred by the insurer’s approved panel of solicitors up to £50,000 to pursue:

  • Defective goods or services provided to your Holiday Lodge
  • Compensation following an accident for death or injury
  • An Employment Tribunal
  • Nuisance or trespass to your Holiday Lodge property
  • Disputes with the park owner where your Holiday Lodge is situated
  • Compensation against someone who damages your Holiday Lodge
  • A probate dispute
  • Defence of a breach of contract against you for goods sold privately that relate to your Holiday Lodge.
  • Liaison with credit reference agencies if you are a victim of identity theft
  • Writing a letter to a social media website to request removal of a defamatory comment about you.
Legal Exclusions

Significant Exclusions

As with all policies of this type there are some things which are not covered. These are the limitations and exclusions that we think are significant. Full details or all limitations and exclusions can be found in the relevant cover section of the policy wording.

You are not covered under Holiday Lodge Legal Expenses for:

  • Claims or proceedings that arise outside of the UK, IOM or Channel Islands
  • Costs for claims incurred without the insurers prior consent
  • Claims that arise between you and someone you live with or have lived with
  • Claims where to insurer deems there is no prospect of success
  • Costs for legal representation from outside of the insurers approved solicitors list
  • Claims below £250 (plus vat) brought against you or pursued for you for Defective Goods Claims
  • Claims for stress, psychological or emotional injury unless linked to a physical injury are excluded for injury claims
  • Any Employment Tribunal or action against a park owner brought within the first 90 days of the policy
  • Trespass or nuisance arising from divorce or matrimonial matters.
  • Financial compensation for physical damage in respect of a contract that you have entered into
  • Defamatory claims on social media if you are under 18 years of age.