BIBLICAL CHALLENGES

BIBLICAL CHALLENGES

Insurance companies respond to unprecedented times...

It has been an unprecedented period for holiday park operators with challenges of biblical proportions as they faced floods, a global plague and a stop-start famine then feast on bookings. It is a period that has also challenged insurance cover suppliers to step up for their holiday park customers. Given the extraordinary circumstances of Covid, one of the hottest insurance topics has been Business Interruption (BI) cover. Long-awaited clarity about how BI claims should be handled came with the publication of the Supreme Court judgement on 15th January 2021. Not all customers will have the specific cover the test case referred to, which means that not all customers’ policies will be expected to cover Covid. The process of assessing BI claims is a complex one, and there are steps that need to be followed in order to submit a valid claim. Specialist insurers are working with the holiday trade who had the relevant policy coverage to confirm and assess their claims as quickly as they can. Champions of the Park Protect Scheme, David Moffat, Associate Director, of PIB Insurance Brokers says: “Unfortunately the pandemic has coincided with a significant hardening of the insurance market with insurance rates for certain types of insurance increasing markedly in recent months.

PARK PROTECT
“This often happens at a time of uncertainty as it usually comes with increases in claims and the insurance market reacts accordingly,” David explains. “Insurers have seen increasing claims costs, particularly from natural disasters but also due to an increasingly litigious society,” David continues. “As insurer profitability declines, they either decide to exit unprofitable markets or increase premiums.” Meanwhile, Leisuredays have been working hard, often behind the scenes: “We worked hard to educate caravan and lodge owners that their units remained at risk during lockdown using press releases, online content and through our advisers,” says Gareth Walker, Head of Leisuredays Development. “Covid, may have meant parks were closed for long periods but the winds still blow, rivers still flood, thieves still steal and pipes still freeze,” Gareth continues. “We calculate over 90% of claims could still occur even when units are unoccupied and parks closed, with storm and flood, fire, vermin damage and theft topping the list of claim types,” says Gareth. With parks’ income drying up overnight, it was clear that specialist insurance companies needed to do whatever we could as quickly as possible to help customers through the lockdown period. Compass were quick out of the blocks, developing a tailored product, Compass Essentials, which was offered to all holiday park businesses from May 2020. The product was designed to ensure all park customers, existing and new, could be offered a discount or refund of some sort. It largely worked on the premise that parks’ insurance needs changed, as a direct result of being closed to the public. For many, this meant liability covers could be reduced without putting the park business at risk. By further eliminating less critical covers such as frozen food cover and accidental damage, many parks were able to secure immediate premium refunds of up to 25%.

HOME OWNERS
Several Compass insured parks have experienced flooding in the past six months, and a few have been very badly affected. Over half of the claims that Compass handles relate to flood and storm. One of the biggest lockdown issues for holiday home owners has been their ability to comply with insurance policy conditions. Holiday caravan owners also need to think about their sums insured as pressures on the supply chain mean that the cost of replacing caravans is likely to increase sharply, if only for the next 12 – 18 months “Coronavirus has had a significant impact on the way in which holiday caravan and lodge manufacturers can operate,” Richard Walker, of Compass points out. “Coupled with supply chain issues, this has resulted in fewer units being produced at a time when staycation bookings and new caravan/ lodge sales have boomed. “The high demand for the units that are available could potentially impact any total losses experienced by parks and their customers in the next year or so. “The fact that the dearth in available units is driving up prices may also be relevant, as will the increased costs of many of the materials used in caravan/ lodge construction,” Paula adds. Once parks re-opened, Leisuredays say they dealt with a record number of insurance enquiries as parks enjoyed healthy sales of new units.

RECORD NUMBERS

“For those suffering temporary financial difficulty as a result of Covid, we were able to defer payments or waive cancellation charges,” says Gareth. “If a customer asked to cancel their policy but was intending to keep their unit uninsured, we would do everything possible to keep them insured because the last thing they needed on top of everything else was an uncovered bill for a caravan repair or replacement. The closing of parks at the end of October also brought difficulties for customers to drain down their units for winter in line with insurance policy terms. “We were able to offer flexibility for customers to arrange for their parks to drain down within an extended timeframe yet maintain full cover until this was completed,” he adds. Leisuredays set about making it even easier for park customers by offering a new online renewal portal so they could renew 24/7. Gareth explains: “To ease any stress, we provided an up to 10% uplift to policy sum insured at no charge. “This was beneficial to customers on a new for old policy who have to insure at the price of a brand-new equivalent unit.” In effect, the Leisuredays approach meant the customer could renew and be sure their caravan would be fully replaced with a new one on the park – it also reassured the parks that the customer would have sufficient funds to replace their unit via them.

SUFFICIENT FUNDS
“If anything, our way of working with parks has worked extremely well during the pandemic,” Gareth emphasises. “Because our parks work with us as Introducer Appointed Representatives they effectively introduce the customer to us for us to quote, then setup and administrate policies. “When parks re-opened in July 2020, many parks were keen to maximise sales so they bundled our free insurance offer with new units as a deal sweetener. “This proved extremely popular for new owners who wanted everything to be provided as part of the purchase package.” Gareth believes Covid has made self- administration of customer insurance even less attractive for holiday park operators. “We’re even more confident the route of introducing to a specialist like ourselves delivers better results,” says Gareth. “Letting a specialist such as Leisuredays do the insurance admin lets them concentrate on their core business. Gareth adds: “We firmly believe they’re in for a bumper season of demand for holiday caravan sales and holidays so they need to make hay whilst the sun shines in that regard – why let insurance get in the way?”

COMPANY CONTACTS

Compass Insurance
Tel. 0344 274 0276
enquiries@compass.co.uk
www.compassparks.co.uk

Leisuredays Insurance
Tel. 01422 396 693
parkoperator@leisuredays.co.uk
www.leisuredays.co.uk

PIB Insurance Brokers
Tel. 01422 358 525
david.moffat@pib-insurance.com
www.pib-insurance.com/business/hospitality/caravan-and-holiday-park-insurance

Don’t Slip Up – Insurance

Don’t Slip Up - Insurance

ABOVE: Storm damage was the top holiday caravan insurance claims last winter.
Pic Compass Insurance

Bryony George reports on the most common holiday park insurance claims…

Specialists serving the industry have confirmed storm damage was the top holiday caravan insurance claim last winter, accounting for 20 per cent of all holiday caravan claims. Other common claims were escape of water and boiler damage, often caused by frozen pipe damage, highlighting the importance of draining down static caravans or lodges from November until mid-March, if they’re not in use. But one of the biggest risk facing most park operators remains liability claims, primarily from members of the public but also from employees. It is now no longer unusual to see claims north of £10m and there are numerous examples of claims no approaching £30m. “Park operators need to be mindful that their limits of indemnity for such incidents are set at the time of the incident but the eventual settlement, assuming the Park is found to be liable, is set based on the regime at the time of settlement,” advises David Moffat, Associate Director of specialist insurers, Wilby. “Given such claims take a long time to bring to a conclusion a Park could find itself without enough cover and they would be liable for any shortfall.”

LIFE CHANGING

David explains: “Insurers are rather focussed on this area following various changes to the Ogden Rate by the Government, which is a rate used by insurers and solicitors to calculate payments on serious, life changing, injuries, i.e. incidents involving paralysis. “As an example, a claim involving serious injuries say seven years ago but settled three years ago might have been settled for £3m - £4m so if the Park had £5m Public Liability cover at the time of the incident they would be fine. “If the same incident was settled today using the current Ogden Rates the settlement might be £12m to £15m and given the park only had £5m cover at the time of the incident they would now be facing a rather large bill which could threaten the very existence of the Park,” says Andrew. He adds: “It should be noted that the chance of a park operator causing the sorts of injuries needed to get to these levels remains as remote as it ever was but the chance of not having sufficient cover has increased considerably and as such operators need to review their cover now as they aren’t in a position to buy extra cover once the worst has happened.”

PARK SPECIFIC

Another growing area of cover that operators need to consider is Cyber Insurance. The sorts of cyber policies now on offer covers much more than simple Data Protection issues. It will provide some cover for other things such as Business Interruption or Loss of Revenue if the Park Operators Computer System is hacked or affected by a virus or other Cyber incident. Traditional Business Interruption cover is based on a physical loss, such as fire, and would generally take no notice of the loss of revenue if the computer system was badly affected at the height of the summer. There are specific policies that will provide cover for data and system recovery, cyber extortion, privacy and network security liability, cyber-crime, telecommunication fraud amongst other areas of cover. Of course, no two holiday park businesses are the same, which means that every business’s insurance requirements are unique. Park owners should therefore seek out specialist cover specifically tailored to suit the needs of their individual business. Comparing what’s on offer from different providers will also be a useful exercise. Some covers, for example Employer’s Liability and Motor cover, are not only essential but are a legal requirement. Other covers need to be proportionate to a park’s individual risks and liabilities. Paula Hudson of Compass Insurance, who offer cover through its Binnacle scheme, advises: “So, a small park with no central facilities may find themselves well protected by a park-specific commercial combined policy. “Conversely a larger, multi-amenity park may need to increase some of the standard covers on offer by purchasing ‘excess layers’ such as property, public and employer’s liability cover. Common sense would suggest that the more facilities and services offered by a park, the higher the number of risks they may face, Paula points out. She continues: “Equally the nature of the service will dictate the size and seriousness of the risks that may apply. “For example, parks with a swimming pool will face more risks than a park without one; parks with a multi-depth pool featuring water slides and a wave machine will face more risks than parks with a small, single-depth pool that has no add on features.” Park owners and managers have a legal responsibility to manage risk, for example under Health & Safety Legislation, with some on-site facilities and operations requiring particularly careful supervision. Says Paula: “In the best-case scenario, a park owner will be able to provide comprehensive documentation to show that they had taken all reasonable steps to assess, manage and mitigate the associated risks. “Alongside other pertinent information, this documentation may need to be examined by a regulatory authority, such as the HSE, as well as the park’s and claimant’s insurers and solicitors.” Coastal parks, advise Leisure days, can be most at risk from flooding and stormy weather, as well as those near rivers and in exposed areas. Leisure days works with more than 1,000 parks who, in turn, introduce their customers to protect their business. “We handle thousands of customer claims, which range from simple accidental damage, to fires and floods that can wipe out multiple holiday caravans in one event,” says Gareth Walker, Head of Leisure days insurance. “Our most common customer claims are often weather related. Remember the Beast from the East, Storm Emma and Storm Doris in 2018 and then the severe flooding in 2015? “These weather events led to a huge spike in static caravan insurance claims for storm damage, flooding and damage caused by frozen pipes – highlighting the importance of park customers having the right level of specialist insurance cover. Holiday parks are continually checking their customers have adequate insurance in place and will write this into their park terms and conditions. Making sure customers have insurance gives parks re-assurance damaged units will be fixed, or removed and replaced, keeping the park looking its best. Choosing to work with an insurance partner can also boost income streams with parks earning insurance commission in return for introducing customers to the policy. Park operators need to look for specialist insurance cover for their customers, making sure all customers are adequately insured and that they’re dealing with a specialist and reputable insurance provider. There are some specific policy benefits worth looking out for. ‘New for old’ cover is essential for when disaster strikes and will make sure customers have the right sums insured to replace their damaged, written off unit with a brand new one. The main perils should also be covered, such as fire, flood, storm and theft. Look for benefits such as debris removal, so any badly damaged units can be removed quickly from your park, as well as pay-outs for re-siting and re-connection costs, and also use a provider who has experience of settling claims quickly, with prompt repairs and replacements.

SELF HELP

Caravan Guard clients are always issued advice on how to take precautions to protect their pride and joy during these colder, winter months, as well as how parks can help owners drain down and advise on lagging any exposed pipes or adjusting boilers appropriately. It’s also worth checking that owners have taken any outdoor furniture and other outside equipment inside to avoid any external damage when windy weather strikes. Customer or parks have to report the claim first. If it’s a big event then the park would tell their Business Development Manager and we would arrange for specialist loss adjustors to attend the park and assess the damage. We’re well versed in handling multiple losses on parks after severe weather events such as flooding or storm damage. Our dedicated Claims Liaison Team make sure customer claims are handled quickly and fairly, keeping everyone informed along the way. The team also won Claims Team of the Year at the UK Broker Awards 2019. To make sure all park customers have extensive insurance cover in place so they are fully protected should the worst happen and to encourage customers to keep their unit in a good state of repair. Look closely at an insurance policy’s features and benefits, as well as the support you receive from your insurance provider, throughout the year, and in the event of a claim.

LIABILITY CLAIM

There are some claims that tend to affect parks more often than others. For example, the Compass claims team won’t be surprised to see claims for frost and water damage on holiday caravans over the next few months. Similarly, we may expect to see some theft-related claims, which tend to spike during periods of no occupancy. Equally, there are some claims that can be no more predicted than they are likely to occur on the same park again anytime soon, for example the ‘tornado’ wreaked havoc on one of our customer’s parks a few years ago. This varies greatly. The best-case scenario for a park owner or a caravan owner is that if they need to make a claim, the claim is approved quickly and paid-out in full. However, as aforementioned, this will always depend on whether or not the park has purchased adequate cover in the first place. If the insurer will need evidence to defend a claim such as evidence of risk management in the event of a liability claim being made against the park then the outcome of the claim will also depend on whether or not relevant risk management, operating procedures and systems, training etc are in place and have been adequately documented. Park owners are encouraged to see beyond price. For example, a broker’s approach to claims in times of crisis is especially important. The Compass Major Incident Hotline sets the benchmark for crisis response. Compass Insurance’s 24/7/365 disaster line is available to all of its park business customers and those that operate Compass’ Appointed Representative (AR) and Introducer Appointed Representative (IAR) schemes. Parks with private owners may also wish to consider working with an insurance provider to introduce or sell holiday caravan cover to their customers via an IAR or AR Scheme, advise Compass. Finally, it is important for park owners and managers to note that a condition of their park’s commercial insurance policy is likely to be that they must keep buildings and facilities in a ‘good state of repair’. If a claim is made and the loss adjuster believes that the affected building/facility and so on, has not been maintained adequately, this may lead to non-payment. It could even lead to an investigation by the Health and Safety Executive. To avoid any slip-ups, operators are advised, in every instance, to consult with a specialist insurance supplier.

ABOVE: A growing area of cover that operators need to consider is Cyber Insurance

COMPANY CONTACTS

Binnacle/Compass Insurance
Tel. 0344 274 0277
www.compassinsurance.co.uk

Caravan Guard/ Leisuredays
Tel. 01422 396 693
www.leisuredays.co.uk

Park Protect/Wilby Insurance
Tel. 01422 358 325
www.parkprotect.co.uk

Holiday Snaps – Gareth Walker

Holiday Snaps - Gareth Walker

What was your career path into the industry?
After leaving school, I worked in the financial sector for HBOS (now
Lloyds Banking Group). I worked for the group in various departments from International Payments to Treasury in the big smoke. I was
working in the marketing department when an opportunity to join
Leisuredays came up. And 14 years on I’ve never looked back!


How has the market changed during your time in the industry?
The changes I’ve witnessed have been for the better. The customer
product has greatly improved, which in turn provides insurance
companies/brokers with a better risk. Holiday parks are open longer and
have much more to offer, with a wide range of facilities and activities.
Conversely insurance has become much more heavily regulated,
meaning parks need our help more than ever to stay compliant.

How do you predict things will change in the next five to 10 years?
I can see more online and digital engagement between parks and
their customers and also between us and our policyholders. We’ll use
technology to make it ever easier and quicker for customers to obtain
the cover and make a claim.

What are the biggest challenges you face in your working life?
Work vs life balance is my biggest challenge. Trying to keep my wife
and the kids happy whilst travelling around the country to support
my team and our parks. But I’m privileged to have a great team of
Business Development Managers and a flexible boss (and wife)!

What is the best piece of business advice you have been given and by whom?
The best piece of advice that’s stuck with me is from one of my first
mangers. And that’s to be honest and don’t be frightened to make
mistakes. If you’re not making mistakes you’re not learning or improving!

What do you most like to spend your time out of working hours?
In my spare time I’m an Academy football coach with FC Halifax Town.
Both my boys are big into football and this covers any hours I have
free. It is a great way to wind down after a day on the road.

If we could give you three guests? Who would like most like to sit down to dinner with and why?
It’s hard to just choose three but in no particular order: David Beckham
– Because he was a very successful footballer, dad, business man and all
round decent guy. Dynamo the magician - I just love magic! Plus, he’s
a good Yorkshire lad and would be guaranteed to keep you entertained.
Dr Steve Peters – I’ve read a few of his books now and think he’d be
very interesting to have as a guest to bounce thoughts and theories off.

Do you have any claims to fame?
At one of the first Soccer Aids, I gave Maradona a high five when
passing him in the corridor on his way out of the stadium.

Where do you prefer to take your holidays?
We often visit Tenerife, however, my two boys love a week away in a
holiday caravan or lodge and it’s those holidays they talk most about
to friends and family. There are some fantastic holiday parks and
locations in the UK, but the ones with a pool, football pitch and a bar
will always be most attractive for a young family like mine!

Champagne Compass Celebrations

Champagne Compass Celebrations

Binnacle was established in a unique, strategic alliance between BH&HPA and Rural & Commercial Holdings back in December 2018.
The name Binnacle was chosen for the business because a binnacle supports and houses a ship’s compass.
Some six months later, it was celebrations all round this summer, when the Compass team were able to finally and formally celebrate the re-birth of their scheme.
The official grand opening of the airy new Binnacle/Compass offices took place in Pullman Court in Gloucester, which is also home to the British Holiday and Home Parks Association (BH&HPA).
Invited guests were welcomed by both the Compass and BH&HPA teams for a champagne lunch and a blue ribbon was cut to mark the occasion.
In welcoming everyone to the event, BH&HPA National Chairman Andrew Baragwanath explained how important it is to the Association to ensure that the right insurance cover and services are available to park business and their customers. He also outlined some of the history of the Compass Scheme, which dates back to 1976, and explained the work involved in establishing Binnacle.
Compass
Tel: 0344 274 0277
www.compassinsuranceservices.co.uk

Protect Your Assets

Protect Your Assets

protect your assests 1

ABOVE: Holiday Park Insurance cover must be able to cope with major disasters as well as everyday losses.

With so much of its notorious jargon and fine print to review, insurance can be a minefield of confusion for holiday park owners. But beware. Uncertainty over coverage can come at a heavy cost – especially if oversights are only spotted after events occur. “Park owners should seek out specialist brokers that offer cover specifically designed and tailored to suit the diversity of the parks industry,” advises of Compass Insurance. “Adequate cover will address both common, everyday losses and the more substantial losses that can be sustained in the event of a major disaster.” According to Compass, the most common holiday park claims involve:

• Tripping and slipping incidents
• Use of playground and activity equipment
• Material damage to third party property
• Injuries to employees
• Damage to holiday home stock
• Damage to communal buildings.
• Flooding

protect your assests 4Claims are also impacted by major weather events from time to time. In early 2018, the Beast from the East and Storm Emma resulted in a high rate of weather-related damage claims. For owners, matters are made more complicated as no two park businesses are the same: every business’ insurance requirements are unique. “Your customers will want the reassurance of extensive insurance cover for accidental damage, fi re, theft, storm, flooding and vermin,” advises Liz Harrison from Leisuredays. “Severe flooding, storms, or fire can cause signifi cant damage to a holiday park and if you’re in the unfortunate situation where many units are written off, then you’ll want these quickly removing from your park,” Liz continues. “The Leisuredays policy automatically includes £10,000 for each damaged unit to be removed, and for a new unit to be resited and connected to utilities.” Many industry brokers operate a network of local account executives who can support you in identifying your individual insurance needs.

protect your assests 6Tim Smyth, MD of Compass: “A good account executive will take time to fully understand your business and how it operates – and will support you in deciding on the appropriate levels of cover you need accordingly. “They will look for hidden and not-so-obvious risks which, left undetected, may pose a threat to your park. Sometimes optional/additional covers may be necessary, and your AE should be able to fi nd what best suits YOUR needs.” In addition, a good account executive should also be committed to regularly visiting your park and building a good relationship with you. Tim suggests: “They should aim to carry out an insurance review at regular intervals to check whether the insurance needs of your business have changed. If they have, your cover may need to be adjusted to reflect this.”

ADDING UP
protect your assests 2Some other key areas to consider when arranging insurance cover include the adequacy of your Sums Insured, the changing needs of your business and the terms, conditions and exclusion attached to your cover. Tim explains: “We sometimes see new clients whose previous cover or sum insured would not be adequate should an incident impact their income over a long period of time (e.g. longer than just 12 months). Protecting any Liability to the public through products or activities provided on the Park is also crucial.” At Wilby, holiday park insurance specialists through their Park Protect scheme, a campaign has been launched to help businesses protect themselves by raising the limits of their liability insurance. Wilby is recommending that businesses increase their indemnity limit for employers’ public and products liability cover to at least £30m. The company of trusted independent chartered insurancebrokers argue that recent cases mean that the bar has been raised, and businesses and individuals need to increase their level of protection.

COUNTING COST
protect your assests 5Wilby’s Managing Director Richard Blackburn explains: "It can be hard to imagine that when you have employers’, public or products liability cover of £5m, £10m or even £20m that there may be times this can be insufficient. “However, we live in an age where levels of litigation have never been higher. Businesses and individuals have an increased awareness of their legal rights, coupled with the relative ease of accessing the UK legal system to pursue a compensatory award where negligence is alleged.” The issue has been made worse by the fact that the costs attached to claims are also being driven ever higher, with previous awards used as a basis for future settlements. Changes to the discount rate, the figure used to help set compensation pay-outs when people suffer serious injuries, made in March 2017 mean the potential for even higher personal injury settlements is even greater. The British Insurance Brokers' Association (BIBA), one of the leading UK insurance bodies which issues periodic advice to its members, now recommends a minimum indemnity limit of £23m. But, with the legal environment continually evolving, Wilby recommends that serious consideration is given to purchasing liability limits of no less than £30m.

Compass
Tel. 0344 274 0277
www.compassinsuranceservices.co.uk

Leisuredays
Tel. 01422 396 772
www.leisuredays.co.uk/parkoperator

Wilby
Tel. 01422 358 525
www.wilbyltd.co.uk

Unmissable Event

Unmissable Event - Cover Photo

The Holiday Park & Resort Innovation show beckons…

The Holiday Park & Resort Innovation Show is an unparalleled opportunity for holiday and leisure entrepreneurs to make the most of their resorts, holiday parks and attractions by delivering first-hand the very best in advice, products and services. The event has grown considerably since 2016 and is set to be the most exciting and comprehensive instalment yet! Combining world class experts, face-to-face advice, 150 inspirational seminars, 350 leading suppliers, workshops, unrivalled networking and live features all under one roof - these two days are truly unmissable for anyone in this sector! Whether you’re relatively new in the holiday market and looking for inspiration and advice or an established business looking for new and exciting ways to improve your offering, the event covers everything you need to run your holiday business more efficiently.

Discover all the latest technology and trends from within the sector and find out more about current marketing and business strategies. The industry’s most innovative and influential figures will pass on their peerless knowledge and advice and ultimately help you stand out from the competition and increase your occupancy rates. Join some of the industry’s most progressive and ambitious suppliers and find absolutely everything you need to develop your holiday business whether it’s accommodation, marketing, booking systems, food and drink services, leisure equipment or energy companies. Running alongside the Holiday Park & Resort Innovation show again this year is the Farm Business Innovation Show, the Family Attraction Expo, and the Country House Innovation show. New for this year, we have the Public Space Innovation show, and Destination Hotel. Register for free tickets to attend via the website. Looking forward to welcoming you to the event on the November 7th & 8th, NEC Birmingham.

Aqua Spa SuppliesAqua Spa Supplies: Stand 1232

Aqua Spa Supplies are suppliers of accessories and equipment for spas and swim spas. They will be showcasing their End 2 End Covers - Roll on, Roll off covers for spas and swim spas and a host of other equipment. Look out too for spa brands including American Whirlpool, Vita Spas and the Villa Tub.

Aqua Spa Supplies
Tel. 01245 477 400
www.aquawarehousegroup.co.uk

Businesses For SaleBusinessesForSale : Stand 1802

If you’re looking to sell your business, BusinessesForSale can cost-effectively help market your business to over 1.2 million buyers every month. They connect business buyers and sellers. There are 4,000 leisure and holiday related businesses on the site, as well as thousands more businesses and franchises for sale in every sector imaginable. We’ll be displaying a handpicked selection of current businesses for sale at the  stand. Come and find the inspiration for your next business venture.

BusinessesForSale
www.BusinessesForSale.com

Forbo FlooringForbo Flooring : Stand 1556

The impact of the interior scheme and the overall ambience of a building can play a crucial role in a visitor’s experience to any holiday park or attraction. As such, on stand 1556 at this year’s Holiday Park & Resort Innovation Show, Forbo Flooring Systems will be highlighting the benefits its range of flooring solutions, which are suitable for a wide range of applications across the leisure sector, can offer to improve visitor experience.

Forbo Flooring
Tel. 0800 0935 258
www.forbo-flooring.co.uk/leisure

GemParkGem Park : Stand 1636

The GemaPark management system is web based Park Management and booking system that allows you to manage all your customers and bookings easily. Take online bookings and payments. Record meter readings and invoice owners. Email booking confirmations, balance reminders and welcome letters automatically. Manage your availability from our interactive chart. Link with other systems to increase bookings. Access from multiple computers, Low monthly fee instead of a large purchase price with full training and support.

GemPark
Tel. 01983 282420
www.gemapark.co.uk

HPS_Sept2018_issue_68pp_LR-1Holiday Park Scene : Stand 1950

Don’t miss the Holiday Park Scene magazine team who will be exhibiting on stand 1950. Call by to tell us about how your business stands out from the crowd or to discuss promotional opportunities for your products and services through the industry’s biggest and best magazine for park operators.

Holiday Park Scene
Tel. 01353 666663
www.holidayparkscene.com

Light SauceLight Sauce : Stand 202

Light Sauce is the leading importer and distributor of light-up, flashing LED and glow novelties in the UK. Trade suppliers for over 15 years to family attractions, holiday parks, theatres, local government, schools and charities. With long term partnerships in China and the Far East they are able to design, brand, source and manufacture products that complement and promote your organisation. Light Sauce specialises in the volume supply of light-up toys to order but with large UK based stocks and a wide choice of products for next day delivery throughout the UK.

Light Sauce
Tel. 0845 470 6060
www.light-sauce.co.uk

Marquis SpasMarquis Spas : Stand 10-710

Marquis today is one of the leading manufacturers of hot tubs and swim spas in the United States, with distribution around the world. Long noted for our product quality and unique high-flow therapy systems...Marquis’ dealer network around the world annually rates it with SpaCertified as among the very best suppliers. A UK network of dealers present a full range of Marquis products and offer UK consumers excellent sales and service experiences as well. Marquis’ three dedicated holiday park models, the ‘Relax’, the ‘Getaway’ and the ‘Escape’, offer an array of sizes and features to give you the perfect hot tub for a perfect holiday.

Marquis Spas
Tel. 1-503-838-0888
www.marquishottubs.co.uk

NBB Recycled FurnitureNBB Recycled Furniture : Stand 1012

NBB Recycled Furniture manufacture an expansive range of outdoor furniture using 100% recycled plastic. There are many advantages of the material: the non-porous properties mean that it will never rot, splinter or corrode; it is graffiti proof and easy to clean; and it does not require annual upkeep in fact it is completely maintenance free! Recycled plastic is extremely robust and hardwearing making it great for heavy use areas such as holiday and leisure industries; public parks and gardens; schools and businesses! All of products are guaranteed for up to 25 years, more reason to replace your old timber furniture today!

NBB Recycled Furniture
Tel. 0800 1777 052
www.recycledfurniture.co.uk

Park Leisure Solutions LtdPark Leisure Solutions Ltd : Stand 1230

National suppliers, Park Leisure Solutions launched their brand new Climacube Hot Tub Heat System earlier this year. The Climacube Heat System offers the very latest energy saving heat technology, dramatically reducing running costs, increasing usage, reducing the carbon footprint and enabling customers to use their hot tubs all year round, at the desired temperature without the concern of cost. Customers are already benefiting with installations producing significant reductions in their energy bills. Unlike conventional heat systems, Climacube will heat your Hot Tub in around 4-5 hours from cold with a consumption of only 1KW per/hour with a COP of over 3.5 in minus temperatures.

Park Leisure Solutions Ltd
Tel. 01202 691166
www.parkleisuresolutions.co.uk

PitchedPitched : Stand 1742

Pitched are the smart choice for the holiday park industry, from online booking management software to website, brochure and email design as well as management of social and email campaigns, SEO content and data analysis. The new name in booking software, suitable for independent and holiday park groups of all sizes. Built specifically for caravans, lodges, cottages, glamping, touring and camping pitches and management of owners and holiday home sales - our GDPR ready software comes with stylish customer steps and is simple and easy to operate. Unlimited users working simultaneously with individual security rights. Securely hosted, and all data encrypted and backed up. Convert browsing to booking, giving you more time to run your park. Arrange a demo either by calling today or at the show.

Pitched
Tel. 01726 418 118
www.pitched.co.uk

Portrait PoolsPortrait Pools : Stand 3406

The multi-award winning, Portrait Pools team specialise in the construction, build and design of home indoor swimming pools, commercial swimming pools, spas and saunas, pool refurbishment, pool maintenance and pool accessories. A swimming pool says so much. Especially when it is built to your precise specifications and to exacting standards.. Most people will have a vision of their own swimming pool in their mind`s eye. Portrait Pools have the experience and expertise to open up the countless possibilities, and to capture the essence of your lifestyle. Portrait loves nothing better than to take what you thought an impossible dream and turn it into stunning reality.

Portrait Pools
Tel. 01625 466200
www.portraitpools.com

Suntrap SystemsSuntrap Systems : Stand 1444

Specialists in supplying lifts and hoists providing disabled access into swimming pools, spas and hot tubs, the team will be displaying three different models from its extensive range of lifts, all of which are suitable for both commercial and private use so whatever the size, shape or type of pool and whatever the budget, we can offer a suitable solution. Suntrap Systems is a long established company with more than 20 years’ experience which offers a specialised service to both private and commercial customers, and enjoys a reputation for quality, reliability and a personal service you can depend on.

Suntrap Systems
Tel. 0121 428 1155
www.suntrap-systems.co.uk

Superior SpasSuperior Spas : Stand 10-703

Add a touch of luxury to your holiday home or letting business, and boost your revenue by up to 60% with a Superior Spas Holiday Let Hot Tub, while ensuring you stay firmly within the parameters of the HSG282 guidelines. Established in 2009, Superior Spas are the UK’s largest distributor of hot tubs and spas. We pride ourselves on quality craftsmanship, commitment, reliability, and competitive pricing. Hailed as one of the best Holiday Let Spas retailers on the market, we have been named as the official supplier to Sykes Cottages. Our range of Holiday Let Hot Tubs is specifically designed for heavy usage and minimal maintenance. They come in a variety of sizes, making them the ideal choice for any garden, decking or outdoor area.

Superior Spas
Tel. 01246 559071
www.superiorspas.co.uk

The UK Ramp CompanyThe UK Ramp Company : Stand 1424

The UK Ramp Company provides design, supply and installation of Modular Pumptracks and Skate Ramps throughout the mainland UK. The company’s core customers are holiday parks and councils. We pride ourselves on providing second to none customer service from the initial enquiry until the end of life of the products.

The UK Ramp Company
Tel. 01923 678432
www.theukrampco.com

Trimax Mowing SystemsTrimax Mowing Systems : Stand 1330

Trimax Mowing Systems design and produce tractor-powered mowers with the highest level of finish and minimal maintenance. It is this that makes them a turn- to equipment manufacturer. The company began in New Zealand in the 1970’s with tractor-mounted mowers to cut grass beneath kiwifruit vines. Innovative developments, pioneered in flail blades and multi-spindled rotaries meant rapid advancement into amenity and sports surface mowing and exporting well beyond down-under. The Trimax name is now known everywhere by professionals who maintain grassed sports facilities, golf courses, public amenities and holiday parks.

Trimax Mowing Systems
Tel. 01933 652235
www.trimaxmowers.co.uk

Wilby LtdWilby Ltd - Park Protect : Stand 1440

The Park Protect policy has been specifically designed for Holiday and Caravan Parks and provides outstanding cover and value for members of the scheme. As a park insurance specialists, Wilby currently arrange insurance for more than 100 parks across the UK, from the North of Scotland to the South coast of England. As well as providing insurance to caravan parks across the country, as members of The National Caravan Council we are actively involved in the industry and know the challenges faced by parks. We have a team of advisers with a wealth of experience in dealing with touring, holiday and residential caravan and park home resorts of all shapes and sizes, so you can be sure you are dealing with a company that knows the needs of your business. As the scheme is developed specifically for the park industry it offers a range of extra benefits including Stock of holiday and residential homes £250k. Landscaping following a loss £5,000. Site services, inc underground pipes £10k. Contract works cover £25k.

Wilby Ltd – Park Protect
Tel. 01422 358 525
www.wilbyltd.co.uk

World LeisureWorld Leisure UK : Stand 1841

World Leisure (UK) is a multi-award winning provider of design, technical and installation services for the water leisure industry. Offering full turnkey packages, from design and installation through to commissioning and continued maintenance support, World Leisure`s extensive industry experience and a proven track record provide peace of mind to contractors and clients. Providing tailored solutions to meet the exact needs of each individual project, World Leisure partners with manufacturers and specialist equipment suppliers of the highest quality to ensure projects are completed on time and to the highest industry standard. Recent projects include the London Olympic Aquatic Centre, Lagan Valley Leisureplex (Northern Ireland), Ellesmere Port Sports Village, De Vere Scottish Urban Leisure Resorts, Brookfield Multiplex Centre Point, and the Defence & National Rehabilitation Centre`s new world class facilities at Stanford Hall.

World Leisure UK
Tel. 01722 284883
www.worldleisureuk.co.uk

World Of RidesWorld Of Rides : Stand 3441

For nearly 50 years, World of Rides has been the leading UK manufacturer of children’s leisure rides in the United Kingdom. From premises in County Durham the company supply major shopping centres, retailers, visitor attractions, fun farms, holiday parks, garden centres, family entertainment centres and hospitality centres that include national and single-site operators. The company boasts vast knowledge and experience ensures that every ride we manufacture is rigorously tested both in the factory and on-site before being released for sale. Customers receive the very best advice on the profitable and safe operation of their rides.

World of Rides
Tel. 0191 49 20 999
www.worldofrides.com

 

Key Seminar Sessions

Andy SuttonTheatre 13 - Wednesday 13.15 - 13.45

Andy Sutton

Maximising food and beverage in the holiday park industry One of the areas within the holiday park sector that has always been a struggle to maintain, is the food and beverage operation. The issue has been how to manage and carefully balance the gap between seasonal business, your offerings, and if you allow external business on park to contribute towards the success of your F&B. During my talk, I will discuss how you can look at simple options within your business, how to maintain out of season trade, and how to keep control whilst making a healthy profit.

 

TDawn Beeheatre 10 Thursday 11.00 - 11.30

Dawn Bee

Online Booking: Win and keep the customers you want Taking Online bookings may feel like losing control but this seminar will show you how you can use it to gain more control over the type of customer you attract. Repeat customers are the mainstay of most holiday park businesses. We will cover how you can use automation to set off on the right foot to create a lasting profitable relationship with each customer.

 

 

Steve HassenmullerTheatre 10 Thursday 13.15 - 13.45

Steve Hasenmueller

Marquis – The Ultimate Holiday Park Hot Tub Program Holiday Park guest turnover and high hot tub usage create unique requirements for a safe and effective low-maintenance program for hot tub owners. Get a complete overview of the Marquis Holiday Park program and models which address these unique requirements with specific features and designs.

 

 

Book your free tickets today - visit www.holidayparkshow.co.uk

 

 

 

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.

 

Milestone For Family Insurance Firm

Milestone For Family Insurance Firm

InsuranceA leading leisure insurance provider, Caravan Guard, incorporating static caravan insurance specialist Leisuredays, is celebrating insuring more than 90,000 customer at over 900 UK Holiday Parks.

The milestone was reached as the Halifax-based company celebrated being shortlisted for a trio of national insurance awards. “This is down to our fantastic team of positive people who are all committed to delivering exceptional customer service,” explains Ryan Wilby, Caravan Guard’s Managing Director, “Plus our great value insurance policies, which are amongst the most comprehensive on the market.”

So far this year, Caravan Guard and Leisuredays have reached the finals of the prestigious British Insurance Awards, and earlier this month they were shortlisted in three categories at the forthcoming UK Broker Awards.

Ryan added: “We’re absolutely thrilled and proud to have more than 90,000 caravan, motorhome, holiday caravan and park home customers on cover. As we continue to deliver brilliant customer experiences and grow our workforce we have our sights firmly set on insuring 100,000 customers in the coming years.”

Caravan Guard was established in 1995 by Ryan’s father Peter Wilby and along with Leisuredays has remained a family–run business and one of the leading insurance providers for static caravans, touring caravans, motorhomes and park homes. Their static caravan insurance policy is also independently rated as five-star by financial researcher Defaqto.

Duty Of Care

Duty Of Care

With no laws, regulations or British Standard concerning swimming pool water, it is not always obvious how to demonstrate to customers and staff that you pool is fit for purpose. Since 2012 there has been a free online Code of Practice in the authoritative book Swimming Pool Water published by the Pool Water Advisory Group. (PWTAG).

The publication provides pool operators with a structured plan for the technical operation of their pool. Last year PWTAG introduced Poolmark, available only to pools that meet the Code of Practice. Poolmark certification gives public assurance that your pool meets the essential healthy pool operational standards.

Duty Care 1

With it, bathers can be assured – by you and by the Poolmark plaque – that the pool is approved. You can rely on the authority of the organisations that endorse PWTAG – Public Health England, Health and Safety Executive etc. Staff have to be adequately trained to meet the Code of Practice and achieve Poolmark status. There are several hidden benefits behind the scheme too.

New members will be sure that the pool is safe and comfortable for bathers – and this will be fully authenticated – plus users will have the reputation and authority of PWTAG behind them. If anything does go wrong at the pool, you will be able to demonstrate - in court if necessary – that you were following the best available guidelines. Without this protection, you are vulnerable.

It is incumbent on everyone involved in the provision of holiday packages and accommodation to ensure that pools and spas at their destinations are fit for purpose. The alarming increase in the number of media reports on entrapment accidents, highlights the fear that many pools and spas remain unsafe ticking time bombs for unsuspecting swimmers. The danger is escalated when you realise how poorly management and lifeguards at many holiday resorts and hotels are trained to avoid entrapment risks.

Looking at international media coverage, it appears that most entrapment accidents and deaths have taken place while families are holidaying abroad where perhaps regulations are less rigorously enforced than in the UK. There are hundreds of thousands of pools installed at hotels and holiday resorts across continental Europe that may not conform to the correct safety standards, often because they are very old pools and do not have the prerequisite two main drains at the bottom of the pool.

Pools with a single drain, poorly-fitted or with faulty parts pose grave dangers, as does the lack of understanding of the risk to life if a swimmer gets trapped in a drain. Pool operators must exercise full responsibility and enforce rigorous safety measures to guard against accidents including entrapment. This includes regular testing of the pool structure and the water chemistry through to the provision of experienced lifeguards who are trained to deal with all types of incidents promptly.Duty Care 2

ENTRAPMENT CAUSES

Put simply, entrapment is when part of the body becomes trapped in the powerful suction of a pool’s only drain. This is not a risk that a swimmer can see and thus cannot take care to avoid.

Whilst entrapment can occur because of a damaged outlet in a pool or spa, the root cause is the lack of two drains – a known and solvable problem. A single drain can create intense pump suction as the water system is regulated.

Getting too close to a single main drain leaves bathers at risk of being dragged into this vacuum which is almost impossible to break free of without the pool system being turned off, and that can take far too long. Sadly these incidents are continuing to result in people drowning or sustaining terrible physical problems such as disembowelment – and children are seemingly at greatest risk of such incidents.

UK regulatory standards (BSEN 15288 and SPATA) are already in place to ensure that all new pools are equipped with two main drains, as this reduces the demands that circulating water places on a single drain. While operators of holiday accommodation may not wish to close lucrative facilities for adaptation, doing nothing puts people’s lives at risk and is unjustifiable especially given that an anti-entrapment device such as the MSI Vac-Alert eliminates the danger and can be installed in half a day.

Hoteliers and the travel trade have a duty to ensure clients are able to enjoy pools and spas without coming to harm, and preventing entrapment is a significant part of that responsibility. Poolmark looks like being an ideal way of demonstrating that duty of care.

To find out more about Poolmark, visit www.pwtag.org.uk/poolmark

Crowd Funding

CopperpotCrowd Funding

The owners of the Copper Pot Campsite near Callington, in Cornwall, are hoping to raise £50,000 through a crowd funding scheme.

Local businesses in the area are already stepping forward to help support the couple by offering their services, but funds are desperately needed to buy materials.

Husband and wife owners, James and Laiana Lankester say once open, the campsite will give back by supporting the local economy - providing custom to local businesses and jobs.