You have invested time and money into your leisure home and therefore will want the best possible insurance cover for it.
Our leisure homes policy includes log cabins, chalets and lodges. If you own a static caravan, please visit our static caravan page.
For the best possible price for your insurance, please telephone us on 01480 402460. We will be delighted to go through your options.
“…The cost of the policy was half the price quoted by the site insurers and with a greatly lower excess.”
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- Liability to the public – Indemnity is covered in respect of injury to third parties, up to £5,000,000
- New for old cover for leisure homes
- Accidental damage, fire, theft, vandalism, storm and flood cover
- Friends and family use included (malicious damage and theft would be excluded)
- Loss of use and hiring charges cover up to £10,000
- Loss or theft of keys and replacement locks up to £350
- The leisure home can be used for hire and reward
- Escape of water / oil or frost damage to fixed water tanks, apparatus or pipes
- Personal accident cover up to £20,000
Full details of the features and benefits of the cover can be found in the policy documents below.
Please note: Cover is only available in the UK excluding Northern Ireland
As with any insurance policy there are a number of exclusions that apply, including:
- This policy does not cover beach huts
- Mechanical or electrical breakdown or failure
- Depreciation, deterioration, manufacturing defects, wear and tear
- Loss, damage, costs or expenses caused by moth, mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot or any other gradually operating cause
- Any claim when the leisure home is being used for a purpose other than social, domestic or pleasure
- No cover for malicious damage / vandalism caused by you, your family / friends or permitted users
- Theft is not covered unless it is by forcible or violent entry to the home
- The leisure home must be anchored at 4 points or fully attached to the base
- You must adhere to any licensing and occupancy rules set by the site and /or local council
- When the property is unattended, all windows must be locked and doors secured with a minimum 5 lever mortice deadlock
- When the property is unoccupied for over 60 days all letterboxes or similar openings must be sealed shut
For full terms please refer to your policy document.
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
Sample documents for our leisure homes policy can be downloaded here, along with the key facts.
PLEASE NOTE: We use a number of insurers to quote for various risks and depending on the individual risk, cover may vary. The sample policy wordings shown are only an indication of cover that may be available. To receive a copy of the exact policy wording applicable to your individual risk, please contact us on 01480 402460.
We have a library full of articles and practical advice that we have written for our customers on a variety of topics including leisure homes.
The leisure home advice library can be accessed here.
What is new for old cover?
Should your leisure home be damaged beyond economic repair, new for old cover means that we will replace your home with the most recent new model (or equivalent). To ensure new for old cover applies, you must insure your leisure home and contents at the value it would cost to replace with new (of equivalent specification), and not its current value.
Is it a legal requirement that I insure my leisure home?
Whilst it is not a legal requirement, many sites will insist on insurance that provides liability cover in the event of a claim. They may need to see proof of this for their records. Some sites will also charge a fee for checking your insurance to ensure it meets individual site requirements.
Can a site charge me for them to look at my insurance documents?
Many sites need proof of insurance proof for their records and sometimes they will charge to check it meets their criteria. The fee applicable varies from site to site so it does pay to check the small print of your agreement first.
Can I hire my leisure home out?
This will depend on your site; many do not allow it, some may be happy to act as an agent for you. It is recommended that you check both with your site and your insurers for terms. Many insurers will exclude malicious damage or theft when letting out for hire.
Can I live in my leisure home all year round?
To live in a leisure home on a 12 month basis, your site will need to be a residential site with you registered on the electoral role and paying council tax at that address. If your site is a holiday site, you will normally only be allowed to live there between 9-11 months of the year. You will also need to check with your insurance provider regarding their stipulations for cover in these instances.
If you’d like us to contact you closer to your renewal date, please leave your details below and a Lifesure adviser will be in touch in due course.