Does your insurance for your holiday lodge cover you for the purchase of a brand new replacement holiday lodge; along with site clearance, delivery and re-siting costs? If not, then you do not have new for old cover!
Too many people believe that they simply need to insure for the purchase price of their holiday lodge or log cabin from the manufacturer and forget that this does not include clearing away the old damaged unit, delivery of the new unit and the cost of re-siting the new holiday lodge.
Let us take these worries away by using our many years of experience to recommend the Reinstatement/New for Old sums insured to you.
Remember our Parksure Holiday Lodge Policy is specifically tailored to cater for your individual needs by offering you a 5* cover at a competitive rate so get in touch and request a Holiday Lodge Insurance quote today!
The main benefits of our Holiday Lodge insurance cover
Reinstatement (i.e. New for Old cover) Automatically Covered for up to £500,000
Theft, Attempted Theft and Vandalism cover.
Subsidence, Storm Damage, Flood and Escape of Water cover.
Liabilities:- £5m Public Liability / £10m Employers Liability.
Replacement Locks – up to £1,000.
Loss of Metered Water – £1000.
24 hour Domestic Emergency Assistance Help Line.
Cover for Accidental Damage caused by domestic pets.
Cover for damage sustained from vermin i.e. mice, rats etc.
Payment accepted by credit / debit card and monthly instalments.
Full buildings and contents cover including Accidental Damage.
Factors not covered in our Holiday Lodge Insurance cover
Malicious acts or vandalism caused by you or any tenant of the home or their guests.
Storm or Flood damage to fences or gates.
We will only pay for individual damaged items and not for undamaged items belonging to the sets or suites.
Smoke damage arising gradually out of repeated exposure.
Theft when the home is let unless the theft involves violent and forcible exit or entry.
High Risk property is excluded.
Damage caused by or resulting from faulty or defective workmanship.
The first £500 of any claim for subsidence damage.
Damage caused by wear and tear is not covered.
These are just some of the key exclusions. Full details of your exclusions can be found in your policy wording.
Frequently Asked Questions
In the event of a total loss your insurance will replace your home with its brand new equivalent on a like for like basis including the cost of site clearance and debris removal, delivery and re-siting of the new home. Your sums insured therefore need to be sufficient to include the replacement of your home with a brand new equivalent home, clearance of the site and deliver and re-siting of the new home. We can offer advice on exactly what the reinstatement cost of your home would be but to avoid any uncertainty our Holiday Lodge Insurance policy automatically covers you for up to £500,000 which should ensure that your home is fully covered at all times.
Yes in the unlikely event that your home becomes uninhabitable for example through a fire or flood, your insurance will pay your ground rent and any reasonable temporary accommodation up to a limit of 20% of your building sums insured which in case of the block sums insured equals £100,000.
Yes call us during office hours on freephone number 0800 731 9583 and we can provide you with a quotation and immediate cover over the phone. We are open 9am – 5pm Monday to Friday.
Yes you are covered up to £5,000 as long as the garage or outbuilding was locked.
Yes our Policy covers for damage caused by vermin.
The base or ‘serviced pitch’ is owned by the site owner and it is therefore the responsibility of the site owner to insure the base against, for example, subsidence or damage.
You are responsible for insuring any outbuildings that you own, such as sheds, conservatory, garages, steps and decking/veranda.
Yes you can choose what contents sums insured you require. Our minimum contents sums insured is £1,000.
You are covered for up to £2,500 for damage to garden furniture, ornaments and normal contents found in the garden.
You are covered for up to £5 Million for your legal liability as the owner of the home.
As Holiday Lodges are a non-standard risk, be wary of companies that seem to offer too good a deal, they could be insuring your home as a ‘bricks and mortar’ property under a standard insurance policy. Your lodge is not made of bricks and mortar; it is made of marine ply-wood and is therefore more expensive to insure than its brick equivalent, as it is more susceptible to certain claims. A deal such as this, may seem too good to pass up; after all it’s the insurance company’s fault if they got it wrong, isn’t it? Actually, the emphasis is always on the customer to check and make sure they are insured on the correct basis. If you are insured on the incorrect policy, you may find you are inadequately covered or not covered at all.
Even though your policy covers you on block sum insured basis the premium is calculated on the replacement cost of your lodge with an equivalent new model of the same size and specification. To this effect we need to know the make and model of your lodge so we can calculate the replacement cost of a new home. If you do not know the make and model we may still be able to provide a quotation but you will need to give us as much information as you possibly can.
Parksure can insure multiple homes for you. Please call us to discuss.
No as the policy is specifically designed to cover a Holiday Lodge which should be your second home, cover for Jewellery and other high risk items should be covered under your main household insurance under the Personal Possessions Section, but please check.
Yes this is covered under our policy automatically.
Yes this is covered under our policy automatically.
Yes you will be covered for liability should the person letting be injured.
Some park owners have arrangements with particular insurance providers. You are within your rights to insure with whomever you want and the park cannot insist you insure through them; in fact it is illegal and the Financial Conduct Authority (F.C.A.) would be very interested if the park were trying this tactic . We would however point out that you should make sure that the insurance provider is one of the few insurance specialists that provides cover for your particular type of home and not just a generic insurer. This is why it is important that you insure through someone like ourselves.
We can insure you if you are living in your Holiday Lodge and using it as your main permanent residence, as long as it is on a licensed residential site.
No unfortunately we can only insure lodges on registered parks.
The contents cover is to cover contents for use and enjoyment in the holiday lodge or items to do with the holiday lodge, so may include a lawn mower etc or furniture in the garden but would definitely not cover sports equipment i.e is definitely to be used outside and away from the home. For that you would need personal possessions cover under your main household insurance which is specifically designed to cover items used outside and way from the home and if you haven’t got that covered, you should really consider getting it.
The contents cover is to cover contents for use and enjoyment in the holiday lodge or items to do with the holiday lodge, so may include a lawn mower etc or furniture in the garden but would definitely not cover sport equipment i.e is definitely to be used outside and away from the home. For that you would need personal possessions cover under your main household insurance which is specifically designed to cover items used outside and way from the home and if you haven’t got that cover, you should really consider getting it.
Yes as long as we are aware you have one as we need to incorporate it into your sums insured.