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Our Leisure Home Select and Economy policies have been designed to meet the needs of owners of Leisure Homes, Holiday Lodges, and Static Holiday Caravans. Both policies provide new for old cover (Note – the Economy policy cover for clothing and linen is on a market value basis) and are therefore not suited for owners of older lower value caravans requiring indemnity or market value cover. Therefore, we cannot offer quotations for leisure homes, lodges, and static caravans over 15 years old.
Leisure homes, holiday lodges, and static holiday caravans provide a wide range of options for those who want a home away from home. Typically used by families and friends for vacations and weekends, increasingly, these properties are rented out to generate income when not being used.
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In recent years the price of these leisure homes and the quality of the local amenities have improved dramatically, so much so that they are now worth more than £250,000. As a result, we are seeing homes being used effectively as the main residence rather than just holiday homes, with them taking advantage of the 11 and even 12-month license periods available.
So a diverse product line and lifestyle choice require flexible insurance policies that recognise a wide range of values, a broad selection of parks and locations, and above all, very distinct occupational choices. Our policies do just that and provide choice too.
Types of Leisure Static Home Cover:
We have set out below in a helpful ‘At a Glance’ style the full range of benefits and features provided by our ‘Select’ and ‘Economy’ policy options for leisure homes, holiday lodges, and static caravans, enabling you to choose whichever option best suits your needs.
We have done our very best to make clear what each policy covers so that you can compare them easily. We think they both offer excellent coverage, and we hope you agree. If there is any part of the policies that you find confusing, then please contact us, and we will happily clarify them for you. You can also view the full policy wording online, or we may also send you a copy of the full policy wording so that you can read it yourself.
Please remember that no insurance policy will protect you and your home against every eventuality, condition, and exclusions will apply, and every application will be subject to individual underwriting, taking into account your needs and your individual circumstances.
Select
Standard Premium £386.38*
Cover typically includes:
Structures, Contents, Public Liability, Personal Accident and Emergency Assistance – optional cover available for Money, Personal effects and Valuables
Economy
Standard Premium £298.55*
Cover typically includes:
Structures, Contents and Public Liability – optional cover for Money, Personal effects and Valuables
*Premiums subject to change and individual underwriting / your circumstances
Leisure Home Insurance Premiums for New & Old
Optional additional cover is available for personal possessions normally worn or carried about the person away from home, e.g. jewellery, glasses, cameras, laptops, golf and fishing equipment. As an example adding £1,000 to cover the above premiums would increase by approximately £13.