Exceeding Expectations

ExceedingExpectationsExceeding Expectations

Recent investment in IT systems, personnel and staff training means that Compass is better equipped than ever to exceed our clients’ expectations. We feel bigger, we feel stronger and we’re raring to go! Plans to improve both the products and services we provide in 2018 are well advanced and we’re anticipating exciting growth and change. Watch this space! In the meantime, our multi-skilled, long-experienced team will continue to offer our clients specialist park business cover and 24/7/365 emergency support. We’ll also continue to offer free, no-obligation insurance health checks to those that might be seeking an alternative provider.

Compass Insurance
Tel. 01452 511 430

Timely Cover

Timely Cover

Timely Cover

Compass, a trading brand of Thistle Insurance Services, is keeping its fingers crossed that this summer will be accident and incident free for its customers. The chances are that something will go amiss on a handful of parks over this busy period, so they have issued some timely advice. In the event of an accident involving a customer always do the obvious first! If the emergency services need to be called, do so immediately and ensure people are in place to guide them to the site of the incident. Be kind and sympathetic. It would not be advisable to enter into a debate about the cause of the accident, but apologising to a customer that the visit/holiday experience hasn’t gone as planned isn’t the same as admitting liability and can help to ensure that matters don’t escalate. Gather information immediately, as any delay can mean that things get missed or mixed-up. Conducting suitable and sufficient risk assessments is a legal requirement. For further general advice on risk assessment, visit http://www.hse.gov.uk/risk/. If a claim arises, your insurer/broker will need to know whether or not you have taken reasonable precautions to prevent the accident or incident occurring. There’s no excuse for not carrying out regular risk assessments. There are plenty of companies out there that can do this for you if you need help. It’s really important that you can produce documented (written down) evidence that you have used a tried and tested risk management system if a claim arises.


Just a Penny More…

Just a Penny More...

A holiday experience wouldn’t be complete without trying your luck on the prize crane or the coin tipping machine. In fact, the arcade has been a staple attraction of the Great British seaside holiday since the early 1900’s. Part of the Bourne Leisure group, Haven currently operates 37 arcades at its parks across the UK and has seen a shift from traditional arcades moving to all-encompassing family entertainment centres. “Our guest feedback indicates that arcades are a valued part of the holiday offering.

Arcades have long been and are still very much part of the seaside family holiday.

I wouldn’t suggest that anyone books a holiday based purely on the arcade offering, as we have seen a focus towards our Nature Rockz activities, but it is a very wellused facility and part of the overall holiday experience,” says Kevin Scott, Head of Arcades at Bourne Leisure. “The arcades are now environments where families can play together and often we include other family products such as soft play.” Redemption games, where the player is rewarded proportionally to their score, are Haven’s most popular arcade games, closely followed by cranes and coin pushers.


“We have expanded the redemption and prize offers at the expense of the gaming element of the business. A very high proportion of our games offer has a prize element which is very well received by both the holiday makers and our owners,” reveals Kevin. He adds: “Arcades have long been and are still very much part of the seaside family holiday and there is no indication to suggest that this will change in the near future.” Before investing in arcade games and equipment, it is advisable to seek advice from a reputable dealer or manufacturer, who offers a warranty and will give you fast and efficient after-sales care and service for the entire life of the equipment.

ATTENTION TO DETAIL  “Too many park owners become totally disillusioned by a particular attraction that has failed in the past and this fazes their judgement for ever buying anything similar ever again - all because they were badly advised in the very beginning,” comments David Robinson of World of Rides. He continues: “Never buy any rides or equipment based on the lowest price, as every month we receive at least one sad story of cheap failed equipment at peak times of the season, which has resulted in lost income, and more importantly, disappointment and lost customer satisfaction.”

World of Rides is a leading UK manufacturer of battery operated land and water-based leisure rides. The company’s three biggest selling rides for 2017 so far are the fully operational Driving School Car, which has all the same controls as any normal road car, the glow in the dark Future Bike, which has under-LED lighting, and the new Baby Beetle Car for smaller children. “Our entire 12v/24v range of rides are becoming very much more popular with holiday park owners, partly due to the fact that they are nearly all able to carry either two children or a parent and child, but also because they all run without any noise, air or water pollution,” says David. “With trade prices starting at only £2,750 each, they still remain the highest earning children’s rides, due to them being fully directional and interactive with the riders.” According to David, really good rides and amusements will normally achieve full return on investment a number of times over in any one season, providing that they are operated correctly and looked after.

LIFE SPAN  “All modern EEC and UK made rides have a long life expectancy, but in order to keep guests and visitors coming back every year, and incomes retained at their maximum, the rides should ideally be run on a rolling five-year-plan, with at least one new ride attraction being added to the park every year,” says David. “After that, each ride should be subsequently downgraded or replaced after year five, depending on its continued income potential and key position in the park,” he adds. For holiday parks that choose to hire their arcade equipment, it is advisable to work with fully vetted and experienced operators who use up-to-date rides that are tested and documented using H.S.E.-ADIPS safety testing every year. It is also important to check that the operator can show documentary evidence of themselves being fully insured for Public Liability for a minimum £10,000,000, in the event of any incident.

INSURANCE MATTERS  Another key consideration is to ensure that your arcade equipment is covered by a suitable insurance policy. According to Compass Insurance, the key message when it comes to rides and machines - whether they are relatively simple coin-operated equipment or larger, more complex facilities - is to have a conversation with your insurer or broker before you go ahead and sign a hire agreement or make a purchase. “Park owners and managers should be aware that your insurer or broker may decline cover,” advises Chris Jones, Retail Underwriting Manager at Thistle Insurance Services. “An increase in premium could otherwise apply – and in the worst case scenario this could make the rides or machines commercially unviable. It’s always best to have the conversation up front.”

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Risky Business

One of the best ways to reduce the cost of your insurance is to demonstrate that your business has a responsible health and safety practice in place.

One of the best ways to reduce the cost of your insurance is to demonstrate that your business has a responsible health and safety practice in place.

Risky Business

There’s no doubt about it, insurance is complicated. The amount of jargon associated with the subject can be off-putting for many, and can make finding the right insurance product a difficult and complex process.

However, choosing the right insurance partner can be the difference between success and failure in the event of a catastrophe.
Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.
According to Compass Insurance, storm damage is the highest claimed peril on holiday and caravan parks, followed by accidental damage and escape of water or burst pipes. These perils make up 50 per cent of the company’s received claim volumes. The remaining 50 per cent is made up of theft, liability, fire, impact, and subsidence claims.

“We have discovered that although the needs of individual park owners vary, there are three distinct elements of essential park insurance to consider – material damage, liability cover and financial protection,” explains Dave Sheath, managing director at Compass.
“Essential holiday park insurance should cover buildings and structures, hire fleet and sales stock, underground services, contents, loss of rent or alternative accommodation, Business Interruption, Public Liability and Employer’s Liability.”

Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.

Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.

In addition to ensuring the essential areas of cover are in place, careful consideration should always be given to the sums insured declared. By under estimating sums insured, to potentially save on premium costs, park businesses could be exposed to risks by being underinsured.
Appointed by The British Holiday & Home Parks Association (BH&HPA) to serve the interests of its members, Compass offers two bespoke policies; a Compass General policy and a Compass Park Owned policy. As well as providing essential cover, the bespoke policies also of a range of products that can be tailored to meet the needs of the park, including Contractors All Risks, Fidelity Guarantee and Employment Practices Liability, Environmental Liability and Cyber Liability.
“Operating in a changing environment will mean your business is faced with new and emerging risks,” says Dave. “With this in mind, you may want to consider new policies. It is worth considering all options available as the cost of extending cover or purchasing new risks may not be as expensive as you think.”

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Prize Draw Pays Off For Lucky Park Owners

Prize Draw Pays Off For Lucky Park Owners


Compass account executive Paul Willcox (right) congratulates Clive and Lisa Wilson of Swallow Point Holiday Park in Somerset.

Four lucky holiday park owners have taken delivery of brand new ride-on lawnmowers, after being selected as winners of a prize draw organised by Compass Insurance.

Hundreds of park owners and operators entered the competition when they visited the Compass stand at two major caravan shows in the north and south of England last September.

The first four names pulled out of the hat have each been presented with a state-of-the-art Kubota mower. The winners were Julian Hiles from Friary Farm Caravan Park in Norfolk, Elspeth Sutton of Sandgreen Caravan Park in Dumfries, Nicky Colls of Brean Down Caravan Park in Somerset and Clive Wilson of Swallow Point Holiday Park also in Somerset.

Winner Clive Wilson commented: “We take great pride in providing an immaculate and well cared-for environment for our caravan holiday home owners, and this will help us maintain the high standards they expect. “We’re very grateful to Compass, and our new Kubota mower will prove a wonderful asset.”

Adrian Scott, managing director of Compass Insurance added: “We are delighted that these four parks have won the ride-on lawnmowers offered through the Compass Insurance prize draw.

“We wanted to offer some really great prizes – we hope that the parks get years of mowing satisfaction!”