Holiday Lodge Insurance: What is Included as Standard?

The first question you might ask when insuring your holiday lodge is, what is included as standard? Owning a holiday lodge is a dream come true for many, offering a perfect escape from the hustle and bustle of everyday life. But like any home, your holiday lodge needs protection, and that’s where holiday lodge insurance comes in. You want to feel that your investment is secure, no matter what life throws at it.

So, what does your standard holiday lodge insurance cover include, and how does it help you sleep easier at night? Let’s break it down.

Please remember that this is general information: all insurance cover is subject to acceptance of terms and conditions and individual policies may vary.

  1. Standard Holiday Lodge Insurance: Protection Against Loss or Damage

First and foremost, your holiday lodge insurance covers loss or damage to the property itself, including fixtures, fittings and equipment. This protection kicks in if your lodge suffers from accidental damage, fire, theft, vandalism, storm or flood (if flood cover is included in your policy).

Imagine, for instance, a storm rolls through and damages the roof of your lodge, causing leaks and ruining your carefully chosen interior décor. Or perhaps there’s an unfortunate incident involving a stray football and one of your holiday lodge’s windows. In either case, your insurance would cover the costs of repairing the damage, helping you avoid a hefty out-of-pocket expense.

  1. Standard Holiday Lodge Insurance: Property Owners’ Liability Cover

Another essential component of your insurance is property owners’ liability cover. This provides up to £5million to cover the costs if you or your family are found legally liable as the owner or occupier of your holiday lodge.

Let’s say, for example, a guest at your lodge slips on a wet floor and decides to sue you for their medical expenses. Or perhaps a tree on your property falls and causes damage to a neighbouring lodge. In situations like these, depending on the exact circumstances, the liability cover ensures that you won’t have to bear the financial burden alone, protecting both your assets and your peace of mind.

  1. Loss of Use and Hiring Charges

If your holiday lodge becomes uninhabitable due to an insured event, your policy also covers the cost of alternative accommodation, the hire of a similar lodge, and any loss of ground rent. This is particularly useful if you rent out your lodge to holidaymakers and something goes wrong.

Imagine a scenario where a fire breaks out, making your lodge unliveable for several months. Not only would you be unable to enjoy your holiday home, but you’d also lose out on potential rental income. Your insurance would cover the costs of finding a similar lodge to rent, ensuring that you can still offer your guests a place to stay, and compensate you for any lost rent.

  1. Protection for Refrigerated or Frozen Food

It’s easy to overlook, but one of the perks of a holiday lodge is the ability to store food and enjoy home-cooked meals while you’re away. That’s why your insurance includes cover for the loss or damage of refrigerated or frozen food due to a change in temperature.

Imagine arriving at your lodge for a well-deserved break, only to discover that the fridge has packed up or there has been a power outage and all your food has spoiled. Your insurance will reimburse you for the loss, so you can replace your groceries and get back to enjoying your holiday.

  1. Cover for Lost or Stolen Keys

Losing your keys is a hassle, especially when it happens far from home. But with your holiday lodge insurance, you’re covered for up to £1,000 to replace and install new locks if your keys are lost or stolen.

Picture this: you’ve just spent a wonderful day exploring the local area, only to return to your lodge and realise you’ve lost your keys. It’s a frustrating situation, but your insurance will cover the cost of getting new locks fitted, and so may save you from too much stress and expense.

  1. Optional Benefits for Added Peace of Mind

While your standard policy offers a robust level of protection, there are additional covers you can opt for to tailor your insurance to your specific needs. For example, you can insure your lodge’s contents and personal effects, such as clothing, luggage and household goods. This means that if anything inside your lodge is damaged or stolen, you’re covered.

You can also choose to add new-for-old replacement cover for the structure, which means if your lodge is destroyed, it will be replaced with a brand-new one (subject to the age of the property and sums insured). And if you rent out your lodge, you might consider adding accidental damage or malicious damage cover, protecting you against mishaps or intentional damage caused by tenants.

  1. Fulfilling Your Obligations

Of course, while your insurance policy is designed to protect you, it’s essential that you fulfil your basic obligations to ensure you’re covered. For instance, if you leave your lodge unoccupied during the winter months, you’ll need to take specific precautions to prevent freezing and escape of water damage. Not following these guidelines could result in your claim being denied, leaving you to cover the costs yourself.

Similarly, there are certain exclusions and restrictions you should be aware of, such as wear and tear, or losses due to incidents that occurred before your policy started. Always make sure you understand the details of your cover to avoid any unpleasant surprises.

  1. Final thoughts, holiday lodge insurance is there to give you peace of mind, knowing that your home away from home is protected against life’s unexpected twists and turns. For a full list of what is covered—and what isn’t—always consult your policy documents. And if you have any questions or need clarification, don’t hesitate to call the Park Home Assist team and speak to one of our award-winning experts on 01604 946 796. They’ll be more than happy to help you make sure your holiday lodge is fully protected, so you can focus on making memories.

This is a marketing article from multi-award-winning Park Home Assist.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 11/10/24