Holiday Lodge Insurance – The Essentials

 When you are looking to take out holiday lodge insurance, you might want to consider some or all of the issues we touch on in this article. Holiday lodge insurance is a specialist area so do make sure that you have the best cover to suit your needs.

As with all insurance cover, terms and conditions apply. Therefore, this is a general article about the different elements of holiday lodge insurance cover and some of the questions to ask when trying to find the best value for money.

  1. Coverage

The first thing you might want to consider is that you are getting a comprehensive cover for all the specific risks involved in holiday lodge ownership. This will include standard coverage for natural disasters and theft and may also include cover from liability claims from visitors and from damage that occurs when visitors are in residence.

  1. Liability

If you rent out your lodge to holidaymakers, ensure that the policy includes public liability insurance, which may cover any claims made against you by visitors who suffer an injury or loss, while staying in your lodge. You may also want to ensure that you are covered for loss of use and loss of hiring fees, something which specifically applies to holiday lodges and is included in our holiday lodge insurance cover as standard.

  1. Buildings and contents

You might want to check first that both your building and contents are covered. Our cover includes buildings insurance and all contents (except for clothes and bed-linen) and you will also receive freezer contents cover too as standard with Park Home Assist. If you are renting out your lodge, you may want to add optional holiday let cover. This option is available with Park Home Assist.

  1. Affordability

As well as the level of premium you will need to pay, it is a good idea to check the excess you may have to pay to make sure you can afford it, should you need to make a claim. Another question to ask might be: is there a way to pay monthly? Our holiday lodge insurance has an option to pay by monthly or annual premiums.

  1. Replacement value

Ensure that the policy covers the full replacement value of your lodge and its contents, rather than just the market value. Our buildings cover includes a holiday lodge replacement value up to £500,000. Site clearance, transportation and re-siting of a replacement home as standard is also something you may want to look out for. Also, check whether outbuildings and garden furniture are included as standard in your cover.

  1. Location

If your holiday lodge is situated in a high-risk area that is prone to flooding, you may want to check that you can get flood protection cover. Park Home Assist takes part in the FloodRe scheme, which allows us to still provide our award-winning cover to those in high risk areas. We make use of cutting-edge software which identifies the risk to your property specifically, not just your postcode or the wider area.

  1. Home emergency cover

The last thing you want for your guests (or for yourself) is to be left dealing with a home emergency in your holiday lodge, especially in the middle of the night. A burst pipe, a power failure or other home emergency, can ruin a much-needed break. Home emergency cover is offered by Park Home Assist, to provide emergency assistance 24/7. Ask one of our expert, experienced advisors if you’d like to find out more about this policy.

  1. Optional extras

Consider any optional extras that may be offered, such as cover for holiday lets, malicious and accidental damage when let, sports equipment to a good level, pedal cycle cover, legal expenses cover, which can help with any legal costs you may incur. All of these options are available for our customers, including legal assistance if there is a dispute between you and the park owners or management.

  1. Making a claim

It is not always simple to assess whether the process will be a smooth one, should you need to make a claim. However, it is good to know whether you can contact your insurer at any time of day or year and if you are likely to find the claims process an easy one. Our 24-hour, 365-day claims notification service goes a long way to help with this issue, as do our award-winning claims team with many years of experience under their belt.

  1. Policy exclusions

Read the policy exclusions carefully to ensure that you understand what is not covered, such as certain types of damage or losses, or clothes and bed-linen for example, as mentioned above.

  1. Price

Finally, compare prices and shop around to find a policy that offers the best coverage for your needs at an affordable price. It can be a good idea to focus on value for money rather than simply price. What you are getting for your money can often be the most essential question rather than looking just for the lowest premium.

At Park Home Assist, we aim to provide the most comprehensive holiday lodge insurance with the most useful optional benefits, backed up by an award-winning team and underwritten by Lloyd’s of London, for an affordable and competitive premium.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi-award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

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Published – 07/04/23