Frequently asked questions - Leisure home insurance
Here are some of the questions we are often asked about leisure
home insurance. If you can't find the answer to your question,
please call us 0800 496 1516 and talk to our ever-helpful, expert
team.
Will my leisure home be insured for storm damage?
Yes, our policies provide cover against a
wide range of perils including storm.
What am I likely to receive if my leisure home is damaged
beyond repair?
We will replace your property with its
brand new equivalent and pay any associated costs for site
clearance, delivery and re-siting, provided your sum insured is
sufficient. We will also pay the cost of replacing your contents as
new, again provided you have insured for a sufficient amount.
How will I know how much to insure my leisure home for?
Speak to your site owner or manager. He or
she will be able to tell you how much an equivalent unit would cost
new and how much the additional costs would be for site clearance,
delivery and re-siting. These can vary from one park to the next
and may even be influenced by the position of your leisure home –
for example if your unit is in a site where specialist lifting
equipment would be needed.
Will my leisure home still be covered when I am not there?
So long as you are not away for more than
30 days, your property and contents will be insured in the same way
as when you are living in it. If you are away for more than 30
days, some events will not be insured, e.g. frost damage to
plumbing and/or escape of water.
How much will I have to pay as an excess if I have to
claim?
Nothing at all for the majority of claims.
There is, however, a £500 excess for subsidence damage. If you have
extended the accidental damage cover there is a £25 excess for any
claims under the extended cover. Similarly, if you have bought
extra cover for personal possessions away from your home and not
specified an item, you will be asked to pay the first £15 of your
claim.