Holiday Homes and Parks FAQ's

We are a team of highly experienced professionals who have specialised in insurance for the park industry for over 30 years. Collectively, we bring more than 300 years of combined experience across all areas of service and support, including senior management, external client-facing teams, client service and claims managers, as well as individual account and claims handlers.

At Gallagher (holiday and home parks), we are committed to providing specialist insurance solutions and exceptional support to meet the unique needs of the park industry.

Your structures— Holiday home, static caravan, chalet or lodge, are at the core of the cover. However, the policy also includes important additional items such as

• Steps, decking, patios and skirting
• Hot tubs
• Fixed storage chests
• Gas bottles
• Associated fences and gates

Additionally, the policy covers the costs of site clearance, transport of new structures and siting, which are included in the sums insured.

Under the contents cover, the policy also protects household goods, personal possessions and clothing inside the structures.

The policy provides protection against the main risks you would expect, and includes

• Storm damage
• Damage to heating/plumbing caused by frost
• Theft
• Fire
• Flood
• Escape of water
• Lightning
• Explosion
• Subsidence

Additional benefits included as standard:

• Accidental damage to your structures or contents
• Damage caused by vermin
• Cover while your unit is being hired by others (an increased excess does apply see below)
• Cover for alternative accommodation or loss of rent
• Conveyancing cover for a new owner when you have sold a structure, but ownership has not yet passed to the new owner

Please note: The above is not a full list of the cover provided. For full details and exclusions, please refer to the policy wording.

With over 30 years of experience working closely with the park industry, our holiday and home park team has an in depth understanding of the insurance needs of holiday home owners. Using this expertise, we have developed specialist policy wordings designed for holiday and residential home parks across the United Kingdom, including England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands. Our holiday home insurance policy is also 5-star Defaqto rated which provides one of the highest quality rated offerings on the market*.

* You can review our 5-star Defaqto rating independently on the Defaqto website.

"New for Old" or "Reinstatement"cover means that in the event of an insured loss to your holiday home, the insurers will pay the full cost of repair or, if damaged beyond economic repair will provide you with a new holiday home of equivalent quality.

Contents can be included on a New for Old basis, other than household linen and clothing, which are covered on a "Market Value" basis.

“Market Value” or “Indemnity” cover means that in the event of an insured loss, insurers will take into account age, wear and tear, and depreciation in the settlement for a claim for repair or replacement.

Yes, the main exclusions in the policy include the following:

• Loss or damage caused by seepage of water into the holiday home through seams or seals, which should be avoided through reasonable maintenance
• General wear and tear
• Escape of water or oil:
  • If your holiday home is left unoccupied between 1st October and 31st March, the first £500 of each claim will apply as an excess. However, if a park-approved service for drain-down and recommissioning has been used, the excess will be reduced to £250
  • Specific conditions apply to the maintenance of your structure during this period. Please refer to your full policy wording for the required actions when the structure is unoccupied

Other exclusions include:

• The standard excess as shown in your policy schedule
• An increased excess of £500 for subsidence
• An excess of £350 for malicious damage caused by a hirer or tenant

Please always check your policy documentation to familiarise yourself with all exclusions and conditions.

Holiday Park Operator:
Contact your account manager or call our office on 01452 801 701.

Holiday Home Owner:
In the first instance, the park may be able to assist as they can provide you with details of specialist repairers in your area.

Claims contact details are:
Tel: 01452 801 701
Monday to Friday 9am to 5pm

Yes, your policy provides cover for escape of water and frost damage. However, between 1st October and 31st March (regardless of your park's opening and closing dates), the following precautions are required:

• The full central heating system must be set up to operate daily and overnight to avoid frost damage.
• If the holiday home caravan is unoccupied, the water supply must be turned off and a full drain-down carried out while the park is closed

Yes, your holiday home is covered for all the insured events listed in Sections 1 & 2 the policy, except for the following:

• Malicious damage and theft by hirers are excluded unless the let is arranged via the park, in which case a £350 excess applies

Additionally, you will have £5 million of policy cover for legal liabilities to third parties.

Yes, your patio furniture is covered for all insured events listed in Section 1 Standard Cover, except for theft, which is excluded. Please note that an increased excess of £250 applies.

Yes, your boiler is classed as part of the structures and benefits from the cover provided under Section 1 of the policy. However, please note that breakdown, failure and wear and tear are not covered. If you require this type of cover, you may wish to consider taking out a separate warranty or service contract.