Leisuredays offer extensive cover for your residential park home or lodge and contents, with an insurance policy backed by a leading UK insurer, RSA (Royal & Sun Alliance Insurance plc).
Extensive cover for your park home and contents
Confidence your park home and its contents will be replaced with new
Excess from £75
Only a small amount to pay in the event of a claim
Unlimited debris removal, resiting and reconnection costs
Covering costs of removing your damaged park home and setting up a new one
24 hour claims helpline and emergency assistance
Benefit from a team of contractors on hand to carry out urgent repairs
Sleep easy knowing you and your pets will be safe if your park home cannot be lived in
£5 million public liability cover
Protection from the cost of accidents, injuries or damage you are legally responsible for
£100,000 legal expenses
To pursue civil claims, personal injury claims, consumer rights or employment matters
£750 locks and keys cover
Peace of mind that damaged or lost keys and locks will be replaced
£25,000 fatal accident benefit
A little peace of mind provided by a lump sum payment
£1,000 frozen and refrigerated food cover
Costs to replace any spoilt food following a power cut or fridge freezer breakdown
2 months as standard, with up to 8 months cover if you take specified precautions
Optional accidental damage cover
Protects you from accidents like spilling wine on a sofa or damage to a kitchen worktop
Optional personal possessions cover
For everyday items such as clothing or a camera you take out anywhere in the UK
Optional £500 money and £1,000 credit card cover
Should your purse or wallet be lost or stolen and your card used fraudulently
Optional bicycle cover
Covers pedal cycles belonging to your family while in or away from your park home
This website provides a brief summary of cover on our park 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 residential park home insurance documents section.
Don't make the mistake of thinking a normal household insurance or static caravan insurance policy will provide the right levels of cover for your residential park home. Park homes are built to residential standards but are still slightly more susceptible to damage than a traditional bricks and mortar home. A specialist park home insurance policy protects you against risks such as flood, fire, theft and storm damage.
Things to look out for when choosing insurance for your park home:
Park homes are designed to last a long time, so look for a policy that offers unlimited new for old, meaning that if your park home is damaged beyond economic repair it will be replaced with a brand new unit.
Ensure you have enough contents cover for all your contents and personal possessions including clothing and 'high risk' items such as jewellery or expensive bikes. Note that items worth over £1,500 need to be specified on our policy.
Ensure all costs are being covered should you have a claim. In a situation where your park home is written off and needs to be replaced it can cost thousands of pounds to remove your old damaged park home, get a new unit onto the same plot and reconnect it to services such as water and gas. Leisuredays include an unlimited amount of cover for debris removal, resiting and reconnection costs.
Look out for excesses. You may be able to increase your excess to achieve a lower premium. You will find some insurers have different excess levels for different types of claims but your excess on a Leisuredays park home insurance policy is the excess you would pay for all claims.
Make sure your park home policy covers you for alternative accommodation should your park home become uninhabitable following insured damage.
We recognise that many people now live in lodges. Lodges and chalets can be covered under the park home policy if being used as a home and if the unit is sited on a park with a residential licence (i.e. not a holiday licensed park).
5 Star Defaqto Ratings apply to the Leisuredays holiday caravan policy and the Caravan Guard touring caravan policy. 91% based on 85 claimants surveyed (holiday caravan and park home) during 2016, rating the overall standard of claims service received from our underwriters RSA. 96% good value for money statistic based on 1,547 customers and 97% high level of customer service statistic based on 1,765 respondents to a Leisuredays survey in June 2015. 'Schemes Broker of the Year' winner at UK Broker Awards 2016. Review Centre rating (including 96% statistic) correct as of 29/04/2016.
Leisuredays is a trading name of Caravan Guard Limited, which is authorised and regulated by the Financial Conduct Authority. Available to UK residents only
(including Northern Ireland). Calls may be recorded.