Three reasons to insure with Leisuredays
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Value for money
Rated 4.6 out of 5 for value for money on ReviewCentre.com
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Wide cover
Generous cover levels from a leading UK insurer
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Great service
Service rated Excellent by customers on Trustpilot.com
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Value for money
Rated 4.6 out of 5 for value for money on ReviewCentre.com
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Wide cover
Generous cover levels from a leading UK insurer
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Great service
Service rated Excellent by customers on Trustpilot.com
Holiday home insurance
for UK holiday properties, cottages and apartments
Leisuredays offer extensive cover for your holiday home and contents, with an insurance policy backed by a leading UK insurer, RSA (Royal & Sun Alliance Insurance Ltd).
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Extensive cover for your holiday home
Peace of mind with cover for fire, theft, storm, flood and malicious damage
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Automatic new for old cover
Buildings up to £750,000 rebuild cost (not market value) and £60,000 contents as standard
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Highly rated claims service based in the UK
Our experienced team of experts at RSA will settle your claim quickly and efficiently
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£2,000 short term alternative accommodation costs
Sleep easy knowing you and your pets will be safe if your holiday home cannot be lived in
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Malicious damage and theft by guests
Replacing or repairing your holiday home and contents if they are damaged or stolen
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£80,000 loss of rent
Substantial cover to ensure you don't lose rental income in the event of a claim
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Legal expenses up to £100,000
If you get into a dispute or need help evicting squatters, you'll get help to defend your legal rights
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£5 million public liability cover
Protection from the costs of accidents, injuries or damage you're legally responsible for
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Optional accidental damage cover
Protection to cover you or your guests from accidents like spilling wine on a carpet
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Pet damage option
Cover for damage caused by pets owned by you or your guests
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Generous unoccupied terms
Your holiday home will still be covered even when it is unoccupied for up to 60 days
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£750 locks and keys cover
Cover to repair or replace lost or damaged keys and locks
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£2,000 cover for items kept outside
Protection even for those things you keep in the garden
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£1,000 business money cover
Ensuring any rental money you may hold is protected
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Debris removal cover
Cover to clear and dispose of any debris following a claim
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Excess from £100
Just a small price to pay in the event of a claim
This website provides a brief summary of cover on our holiday home insurance policy and the cover options available. Your schedule will confirm cover features and levels applying to your policy. Benefits and discounts are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply. For more information, you can download a specimen policy or policy summary from our holiday home insurance documents section.
Why choose us?
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Plain English policy and documents -
Highly rated for service and value -
Reassuringly good cover from a leading insurer -
Open seven days a week -
Highly rated claims service -
Award winning customer service -
Safe and secure -
Member of the National Caravan Council -
Direct Debit facility to spread the cost -
Confidence in a trusted family business -
Money back guarantee -
Heart Research donation for every paperless policy
What our customers say
Guide to holiday property insurance
What would you do if your holiday home was flooded, targeted by thieves, damaged or vandalised? Without suitable insurance in place, you could be left to stand the bill for repairs and replacements. Here's our quick guide to holiday home insurance.
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What is the difference between standard home and holiday home insurance cover?
When insuring a holiday home it's important to choose a policy that offers more than standard household cover. Bear in mind that if you hire out the property you will need specific cover to permit this type of usage as well as protect you against damage caused by guests, and you may also want cover for loss of rental income.
Naturally, there will be times when the holiday home is left unoccupied. When taking out a policy remember to let your insurance provider know if the property is likely to be empty for a significant amount of time as certain restrictions may apply. Alternatively, check the limits shown in your policy booklet for further clarification.
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What types of holiday homes can Leisuredays cover?
- Properties with walls and roofs of standard construction - brick or stone with a slate or tile roof
- Holiday cottages
- Apartments
- Flat and felt roof properties
Please note, we cannot cover properties with thatched roofs.
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What are the key cover features I should look for?
Holiday home insurance will protect your investment from the effects of fire, storm and flood. Crucially though, it should provide cover for subsidence and cases of liability. You should also look for cover that protects against common claims such as malicious acts, vandalism, falling trees and branches, escape of water and theft.
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What specific cover is provided for hiring out?
If you hire out your holiday home to paying guests, naturally, you'll want to make sure that the property is again covered for any eventuality. Pay particular attention to cover for malicious acts, theft or attempted theft, vandalism and accidental damage cover as these risks could prove greater when hiring out.
Loss of rent cover, legal cover and public liability cover are also extremely beneficial to those hiring out who require complete peace of mind when accommodating guests.
It's also worth knowing that if you do rent out the property, you must ensure that you complete all the relevant safety checks as required by law. Although this won't affect your insurance, it means that if something were to go wrong, you wouldn't be held accountable. See the gov.uk website for further details.
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How can I find the right policy for my needs?
Holiday home owners have varied requirements. We give customers the option to insure their property in one of three ways: buildings only cover, contents only cover or combined cover - having these options is a great way of ensuring you only pay for the cover you need.
If you own more than one holiday home it makes sense to opt for a policy that allows you to cover the whole portfolio in one go. Leisuredays can cover up to four properties under one policy, we even provide extra discounts for each property you insure, so the more holiday lets you own, the more you could save on your insurance!
How do I know how much to insure the property for?
We provide cover for contents up to £40,000 on a new for old basis, which covers household goods, sports equipment, high risk items, business equipment and money kept inside the property. Look for high levels of buildings cover too for added reassurance.
When calculating the value for buildings insurance it's important never to underestimate. Remember to factor in fixtures and fittings, patios, paved terraces, footpaths, tennis courts, swimming pools, garden ponds, statues and fountains permanently fixed into the ground, drives, walls, fences, hedges and gates.
We insure holiday homes on a new for old, ‘rebuild cost' basis. This means if the property was damaged beyond repair in a total loss claim, policyholders are covered for the cost of reconstructing the property back to its original form. This handy feature also covers architect and surveyor costs. We can cover properties with a rebuild cost of up to £500,000.
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How can I get cheaper holiday home insurance cover?
Keeping your holiday home extra secure is a great way to reduce the cost of insurance. Leisuredays offers security discounts to holiday home owners who fit an alarm system (maintained annually) to their property.
We also reward claim free customers with a discounted premium.
Plus, you could be eligible for a reduced premium if you don't let out your property, or of course benefit from our multi property saving if you insure more than one holiday home.
Why not call us for a quote today?
