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About the policy

Your leisure home is special. It’s where you make family memories and enjoy good times with the people you love, as well as being a possible source of income should you let it out. So it’s therefore important to protect it with flexible, cost-effective cover from a trusted insurer.

As specialists in leisure home insurance, we’ve designed our own product to include the most popular features. Backed by our partner UKG, an A+ rated insurer1, you can be certain your leisure home is in safe hands.

Added peace of mind for around £1 more a month

We know how upsetting it can be when you've invested in your dream leisure home in a great location, and things go wrong with the site owner or even a letting. That's why we've introduced legal expenses to enhance your policy. For around just £1 extra a month you can benefit from up to £50,000 in cover against typical disputes and risks associated with owning a leisure caravan. Find out more below.

1 An A+ insurer is independently assessed as financially stable with the means to pay should you have a claim.

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What does our leisure home insurance cover?

With our flexible cover, your leisure home is protected when you lend it out, leave it empty, rent it (for domestic use), or enjoy it yourself with family and friends.

When choosing a policy, it’s important to know what’s included and excluded. Our summary below covers key information about our product. No policy protects you against every scenario and it’s best to read our policy documents to understand the conditions and exclusions that apply. Should you have a request that doesn’t quite fit the mould, simply call us and we’ll be happy to help.

Whether you call us or complete your purchase online, you’ll be asked about ‘sums insured’. This is simply the value of your leisure home and contents combined. If you don’t know, speak with one of our UK based team and we’ll ensure you don’t pay for more protection than you need.

What’s covered

  • New for old cover for leisure homes
  • Friends and family use included – you don’t need to be there
  • Using your leisure home for hire and reward (domestic use)
  • Loss of use and hiring charges cover – up to £10,000
  • Escape of water and oil, or frost damage to fixed water tanks, apparatus or pipes
  • Accidental damage, fire, theft, vandalism, storm and flood cover, as standard
  • Personal accident protection up to £20,000
  • Personal possessions protection up to £5,000 if the property is your permanent main residence

What’s not covered

  • Depreciation, deterioration, manufacturing defects, wear and tear
  • Accidental damage caused by mechanical or electrical breakdown or failure
  • Loss, damage, costs or expenses caused by rusting or corrosion, wet or dry rot, or any other gradually operating cause
  • When the leisure home is used for a purpose other than personal holiday use, letting to holiday makers or as a permanent residence
  • Theft is not covered unless it is by forcible or violent entry
  • Should your leisure home not be anchored at 4 points or fully attached to the base
  • Malicious damage or vandalism caused by you, your family, friends or permitted users
  • Regrettably, whilst we love the seaside, we don’t cover beach huts

Policy enhancements

  • NEW! Leisure home legal expenses - Up to £50,000 cover for legal expenses incurred for contract disputes relating to letting our your property and with the site, protecting your property, disputes with solicitors accountants and surveyors, and access to legal and tax advice helpline
  • Key cover - Provides cover for the costs to repair or replace keys in the event of damage, theft or loss

Policy documents

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Leisure home insurance
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PDF 182.76 KB
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Key cover insurance
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PDF 152.97 KB
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Leisure home legal expenses (purchased on/after 01.04.20)
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PDF 492.95 KB
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Leisure home legal expenses
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PDF 475.82 KB

Claims

We understand what your leisure home means to you and the life it allows you to lead. So, we’ll help get it back up and running as quickly as possible.

If you discover that your leisure home is damaged and you need to make a claim, loss of use cover means you can claim up to £10,000 for similar alternative accommodation, so you don’t need to cancel or defer your trip.

Your policy documents provide important information about how to make a claim. Your claim will be handled by our insurance partner who is committed to providing an outstanding service when you need it most.

As an independent, family-owned business, giving you good old-fashioned customer care is important to us. Should you experience any difficulty progressing your claim, we’ll also be on hand to help.

What are your finance options?

Choosing the right protection for your leisure home is important. Spreading the cost of your insurance can help make it more affordable.

Premium finance options allow you to pay in regular instalments. With flexible payment dates and online account management, credit agreements are also easy to renew, ensuring you’re always protected.

Close Brothers Premium Finance, our award-winning finance partner3, has been making it easier for people across the UK and Ireland to manage their money for over 40 years.

We believe in making insurance straight-forward and easy. When it comes to pay, you can choose from several options, please click here for details.

3Insurance Choice Awards Winner 2018. Insurance vendor of the year

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