Insurance Matters

Insurance MattersInsurance Matters

As a caravan park insurance specialist, Wilby currently arrange insurance for more than 100 parks across the UK, from the North of Scotland to the South coast of England. Our caravan park insurance aims to cover most risks and contingencies you may face as the owner of a holiday or caravan park business. With detailed knowledge of the holiday and caravan park industry and related insurance risks, we can offer more than just insurance. We have our own team of risk management consultants who can help you to put procedures in place to limit the risks your park faces and therefore potentially reduce the likelihood of claims.

Tel. 01422 358525


Easy PeasyEasy-Peasy

Come and see the Leisuredays insurance team at the upcoming trade shows – The Lawns and Beaulieu – and find out how we can make administering your customer insurance easy peasy!
Leisuredays has always offered a no admin insurance solution so parks can focus their efforts on other priorities. This has been refined and is a popular option for more than 1,000 UK parks. Other things to discuss with the Leisuredays team are how their team can help increase insurance profits, offer competitive rates, first-class customer service, minimal insurance workload and an efficient claims service to back it all up when the worst happens. Leisuredays will be on Stand 13 at The Lawns and are also exhibiting at Beaulieu.

Leisuredays Insurance
Tel. 01422 396693

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 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


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

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.

Lock Down

Lockd ownLock Down

In light of recent events, security in the UK is at an all time. While we are assured that the chance of a security breach or incident is highly unlikely, holiday park owners and facility managers are right to be cautious and take appropriate measures to safeguard themselves, staff and visitors.

When the owners of Hampshire-based touring and caravan park Sunnydale Farm were looking for a solution to reduce uncontrolled vehicle access to the site, it was the Automatic Number Plate Recognition (ANPR) system from IDS Group that caught their attention. Open all year round, the park is visited by many campers, tourers and suppliers each day. Having previously tried traditional gates and overhead height barriers to control access to their site, owners Stella and Bill Matthews were looking for a more secure, efficient and automated solution.

For the entrances, IDS Group installed two electronic barriers and two ANPR cameras for incoming vehicles. They also incorporated 1080p HD resolution IP CCTV cameras with infrared night vision to automate the access to the site and give a general overview. As the vehicles are typically caravans and longer than the average car, it was important to strategically position the ground loops effectively to avoid the barrier coming down too soon, due to the length of the vehicle.

The exit required more consideration, such as the safety of children, cyclists and proximity to the main road so IDS Group installed an electronic barrier with a longer loop for the delayed exit. The ANPR cameras provide barrier control and create time log recordings of length of stay.

Barrier“In a lot of cases holiday parks have several entrances and exits and receptions desks are not always located at either of them - this makes it difficult to monitor who leaves or exits their sites. So many holiday parks are having to deal with unwanted guests, as such, this can lead to theft, vandalism and a threat to customer security,” explains Tas Kyriacou, Head of Business Development at IDS Group.

ANPR and barrier solutions have been growing in popularity over the years and the control this security solution provides to staff can significantly reduce risks to the park. According to IDS Group, an ANPR solution can start from around £6,500 up to £12,500 depending on many variables. CCTV solutions can start from £4,000. “Just like anything else in life, you get what you pay for, so if you invest in the right technology, you will be sure to enhance the safety of your customers and property and since your customers are what generates revenue, you will need to protect your assets,” says Tas.

“However before thinking about the technology, it is important to find a security company that can understand your requirements and have the ability to deliver what is required. A good security company is imperative to the delivery of the right solution.”


Earlier this year a caravan was stolen from Bynea’s Gateway Caravan Park in South Wales. The high-value caravan was taken in broad daylight between 9am and 11am in the morning. Elsewhere in the country, offenders gained access to a window of a static caravan at a holiday park in Dorchester and stole valuable items of diamond jewellery. And in Scotland, police appealed to the public for more information after two mountain bikes were stolen from a caravan park in Peebles in August last year. The bikes had been taken along with the chains that had been used to secure them to a tree.

Unfortunately, cases of holiday park crime like these are not uncommon. And worryingly, crime levels across the country are on the rise. The Office for National Statistics said that recent police data showed a nine per cent rise in overall crime in 2016. Last year Avon and Somerset police pledged to increase resources in Burnham, Brean, and Berrow after a number of incidents at holiday parks over the summer months. Police officers and holiday park owners met to discuss ways of cracking down on crime in the area. Owners of holiday parks in BCodeurnham, and its surrounding areas, said they had to deal with a number of caravan thefts, as well as drunk and disorderly behaviour on a regular basis.

This prompted the police to upgrade their Pubwatch scheme - a partnership where independent groups of licensees work with police to pre-empt crime and antisocial behaviour in licensed premises. The scheme saw the installation of more high-quality radio systems and more staff onsite who are able to connect directly with the police. In Lincolnshire, the local police force offers a Caravan Park Watch Scheme to tackle caravan related crime across the county.

Caravan site owners, Lincolnshire Police and other representatives from the caravan industry meet regularly to discuss caravan related issues. The initiative was set up initially to tackle a growing number of burglaries occurring on holiday parks, especially during the winter close down period. Since the Caravan Park Watch scheme was implemented in 2014, caravan related crime rates in the area have dropped by over 45 per cent.

To find out more about security measures subscribe to Holiday Park Scene

Company Contacts

Crosby Intruder Alarms  Tel. 0800 917 1441

IDS Group  Tel. 0208 819 1044

Leisure Days Tel. 01422 396 770

Wilby  Tel. 01422 358 525


Working Smarter on Insurance Matters

Working Smarter on Insurance Matters

Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers offers his views on the ever-growing world of glamping

Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers offers his views on the ever-growing world of glamping


Selecting the right insurance company can be more complex than is readily apparent. For example, the lowest price is not necessarily the best value.

Smart buyers seek out insurers that offer a tailored product to suit their requirements at a competitive price.

Peter Heffer of Lorica Insurance advises buyers to take their time when choosing a provider: “Look for a partner who specialises in the sector and tailors cover to your specific needs.

“Failure to understand the level of cover provided by a policy is a common pitfall for buyers, particularly in the holiday park sector. A generic broker is unlikely to understand the nuances of the sector - you need a specialist.”

With this in mind, Lorica has created an exclusive holiday and residential parks combined policy. The product is both competitive in terms of premium and provides extensive cover designed specifically for parks.

Peter comments: “Of course we cannot guarantee to save you money and improve your cover, but you can be confident that we will give it our best shot. We have experts around the country who are on hand to meet you to explain more about how we can help.”

The biggest type of claims affecting holiday parks can be split into two categories; the first is low likelihood but high severity, meaning they don’t happen very often but when they do the impact is catastrophic, for example a flood. The second type is high likelihood but low severity, meaning they happen frequently but only impact individual policyholders. For the privately owned parks these tend to be customer injury related.

Peter adds: “All policyholders have a duty to ensure reasonable precautions are taken to prevent injury or damage. This is an underlying principle applying to all insurance and owners should act as they would were they not insured.”

Lorica Insurance Brokers
Tel. +44 (0)7827 895671


It Pays To Be Crystal Clear On Glamping

Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers offers his views on the ever-growing world of glamping

Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers offers his views on the ever-growing world of glamping

It Pays To Be Crystal Clear On Glamping

As more and more parks take the plunge into the ever-growing glamping market, there’s more to it than meets the eye in terms of having the right insurance policy.

“From an insurance perspective, glamping raises a few questions,” says Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers.

“Firstly, it is important to check whether a policy provides cover for property in the open. This is a common exclusion particularly for storm, flood and other weather related perils.

“Secondly, park owners should be aware of how the policy will operate in the event of damage to a tented structure. Will the insurers insist upon repairing a tear leaving a potentially unsightly blemish in the quality of the customer experience or will they provide a replacement?”

Peter also advises park owners to think carefully about other glamping accessories that could potentially affect the insurance policy. Glamping tents with cooking facilities, for example, could increase the likelihood of fire and insurers should be made aware – otherwise they could use this as a way to avoid a claim settlement. Likewise all portable electrical devices should be considered and routinely PAT tested.

“The key message really is that you need to make your insurer aware of what you are doing and that they must fully understand the exposure,” says Peter. “Once again, working with a specialist insurance broker really does add value.”

Talk to the Lorica team today for advice on glamping insurance policies that are tailored to suit your needs.

Lorica Insurance Brokers
Tel. +44 (0)7827 895671


Holiday Parks Need Business Safety Net

Holiday Parks Need Business Safety Net


Peter Heffer, Lorica’s director of holiday parks, believes holiday parks need to accident proof their future income.

According to statistics gathered by business insurance specialist, Lorica Insurance Brokers, 50 per cent of holiday parks do not purchase ‘business interruption’ insurance.

Hostages to the fortunes of the impact of severe weather, many holiday parks are gambling with their future security.

“There is a distinct lack of awareness over the extent of cover available,” advises Lorica’s director of holiday parks, Peter Heffer.

He adds: “Many think that it is either unnecessary or is purely there to provide cover for a loss of gross profit following loss or damage.”

However, this form of cover is inappropriate for the park industry, advises Heffer. “When structured correctly, cover actually provides for loss of gross revenue less any costs the park no longer incurs during any period of downtime resulting from a loss.

“By insuring in this way, the park has access to funds that allow it to continue to meet its fixed costs obligations despite a lack of incoming revenue.”

Lorica advises that cover should also apply to alternative accommodation expenses along with additional expenditure incurred to maintain the business such as overtime, temporary rental on other parks and advertising.

“Fit for purpose cover is an absolute asset to a park,” says Peter. “It is there to maintain profit levels, meet ongoing fixed costs, provide alternative accommodation and assist with recovery.”

He advises: “Park operators are urged to speak to an insurance advisor who understands the sector and is able to offer a tailored solution. Off the shelf commercial policies are unlikely to meet your needs.”


Lorica Insurance Brokers
Tel. +44 (0)7827 895671