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Our leisure home insurance is chock-a-block with features.

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Key features of Lifesure’s leisure home insurance

Accidental Damage Fire Flood

Cover for accidental damage, fire, flood and more

Rental Home Cover

Cover for renting out your leisure home

Loss Of Use Rental Insurance

Loss of use and hiring charges cover

Frost Damage

Escape of water or frost damage to fixed pipes (1)

New For Old Cover

New-for-old cover

Legal Expenses Leisure Home Insurance

NEW Optional legal expenses

Why Lifesure leisure home insurance?

We understand how special a leisure home can be to our customers. It’s where you go to unwind and enjoy good times with the people you love. It’s also potentially the property that brings you that little extra income each year. That’s why our leisure home policy is jam-packed with features that can help keep your home-from-home protected, whether you’re on site or not.

Whether you need holiday cottage insurance, an insurance policy to protect your chalet or holiday lodge insurance, we’ve designed our leisure home product to provide the protection this type of multi-use property needs. Give our Cambridgeshire-based team a call to talk through your needs, and you’ll see how we might be able to tick the boxes for your leisure home.

Many of our customers tell us our insurances offer everything they need, with price and good old-fashioned customer service regularly coming out on top. In fact, that’s why we received the Feefo Platinum Trusted Service Award!

As well as our team of experienced advisors at the end of the phone, we also offer MyLifesure, an online customer portal that displays your policy details and documents, when and where you need them, with the option to send us a secure message. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s leisure home insurance cover?

Just see for yourself how we could protect your home-away-from-home with our handy summary below. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply.

Added peace of mind with our Leisure Home Legal Expenses enhancement - for around £122 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. That's why we've introduced legal expenses to enhance your policy. For around just £12 extra a month you can benefit from up to £50,000 in cover against typical disputes and risks associated with owning a leisure caravan. Have a read of the Leisure Home Legal Expenses policy document below to understand more.

What’s covered

  • New-for-old cover for your leisure home
  • Accidental damage, fire, theft, vandalism, storm and flood cover, as standard
  • Theft or attempted theft of contents and equipment
  • Personal possessions protection up to £5,000 against accidental damage and loss
  • Friends and family use included – you don’t need to be there
  • Use of 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
  • Subsidence, heave or landslip of the land or pitch on which the premises is sited

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 four points or fully attached to the base
  • Malicious damage or vandalism caused by you, your family, friends or permitted users
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

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

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

1. Applies when the premises are occupied. Subject to an increased excess

2. Plus interest and any charges when paying in instalments

Full leisure home policy information

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Leisure home policy document (renewal on/before 30.03.21)
PDF 182.76 KB
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Leisure home policy document (renewal on/after 31.03.21)
PDF 253.16 KB
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Leisure home legal expenses (purchased on/after 01.04.20)
PDF 492.95 KB
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Key cover insurance
PDF 222.18 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card or credit card.

We advise our customers to prioritise the right level of protection for their leisure home over price. Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Not just old hats at leisure home insurance, we also offer everyday insurances like car and home insurance, and even breakdown cover. Our people are all under one roof and are multi-skilled too,

so they’ll be able to talk about all of your policies in the one go. Speak to our team to see just how we might be able to help.

Find your insurance