Caravan owners

DON’T SLIP UP!

Posted on March 13, 2024

DON’T SLIP UP!

Freezing temperatures trigger increased claims...

Compass, the insurance specialist, has issued warnings to static caravan owners to prepare early for freezing conditions this winter. With a 115% increase in claims for freezing pipes and escape of water year on year, almost 80% of December 2022’s claims were as a result of extreme cold weather.

Static caravan and lodge owners must prepare their holiday homes for winter as per the terms of their policy or risk claims being rejected, according to Compass. The company saw a 115% increase in total claims caused by cold weather in 2022 compared to 2021. Almost 80% of total claims in December 2022 were due to damage caused by plunging temperatures, as the UK was gripped by the coldest start to meteorological winter since 2010.

During December 2022 alone, claims increased by 66% year-on-year compared to the same month the year before. Long-range weather experts are already predicting that another cold snap is on the way this winter, with a higher risk of snowfall caused by the El Niño weather phenomenon.

This typically brings colder, drier weather to northern Europe due to the jet stream shifting course. With the UK’s weather becoming increasingly unpredictable, Compass is warning static caravan and lodge owners to ensure their unit is winter-ready to mitigate the risk of damage and to allow for claims to be processed quickly if the worst should still happen, despite all precautionary measures being followed.

 

WATER ESCAPE
With escape of water being the main cause of damage following freezing weather conditions, static caravan and lodge owners need to ensure that they complete a full drain down of their unit prior to leaving it unattended during winter. While owners may assume that this responsibility falls to the park, performing a drain down is a condition within most insurance policies, making the owner and not the park, liable for any damage that occurs.

Karen Stacey, Managing Director of Compass explains: “Turning off the water and opening the stopcock valves is not sufficient, and does not constitute a full drain down, as the shower mixer valve, taps, and some components in the water heater are still exposed to risk if temperatures drop.” As well as turning off the water supply and opening stopcock valves, there are several other important steps in the process of draining down, including:

• Turning on the heating.
• Opening the caravan’s external taps, usually located underneath the structure.
• Turning on all taps, flushing toilets, and running the shower, as well as removing the shower head and connecting pipe to remove as much water from the plumbing system as possible.
• Removing any remaining water by blowing compressed air through the pipes.
• Using non-toxic anti-freeze where standing water may remain, such as in toilets and down plug holes.
• Securing all windows, skylights, and doors to prevent cold air from entering the unit. Checking any external plumbing and insulating any exposed pipes from the cold.

ALMOST 80% of December 2022’s claims were as a result of extreme cold weather, report Compass.

Stacey continued: “A lot of parks provide a drain down service, and owners should take advantage of this. However, it’s important not to leave this too late, as parks may have hundreds of units to complete, and weather conditions can change very quickly, as we have seen this October.

“If a park does not offer this service, and the owner does not feel confident doing the drain down themselves, they can hire a professional to do this for them. Even units with an automatic drain down system installed may not be covered in the event of a loss, as all precautionary measures need to be taken into account.

“With claims relating to damage caused by frozen pipes and escape of water ranging from a few hundred pounds to a total loss, we urge caravan and lodge owners to take the necessary action to protect their holiday home during the winter months as soon as possible.”

 

STORM HENK
With more wet weather forecast, and reports of flooding in areas which have previously been unaffected, there have been a number of holiday parks impacted across the UK, Compass warns. Karen adds: “The first storm of 2024, Storm Henk, has caused significant flood damage to holiday caravans across the UK.

“Our stats show that storm and flood damage make up 32% of insurance claims, and in one such instance, an entire static caravan was destroyed during a storm, resulting in a £148,590 claim. “In flood-prone areas, holiday home owners may need to check that their policy does not have flood-related restrictions or requirements, such as fitting a floatation device.

While floods cannot be predicted or prevented entirely, having a comprehensive insurance policy in place can help avoid being left out of pocket should the worst happen”.
For more information on specialist caravan and leisure insurance, visit www.compassparks.co.uk

 

Compass Insurance
0344 274 0276
www.compassparks.co.uk

BRACE FOR INCREASED STORM DAMAGE

Posted on October 26, 2023

BRACE FOR INCREASED STORM DAMAGE

CLAIMS FOR STORM damage is increasing due to climate change impacts on UK weather.

Static caravan and lodge owners should prepare for the likelihood of increased storm damage due to climate change, according to Compass, a specialist provider of caravan and leisure insurance.

The company saw a 16% increase in total claims caused by storm damage between 2021 and 2022. The insurer is warning owners to ensure their caravan is storm-ready and also to check they have comprehensive insurance.

During 2022, 32% of Compass’ static caravan claims were due to storm damage. In one such instance, an entire static caravan was destroyed during a storm, resulting in a £148,590 claim.

CLIMATE CHANGE
Due to the effects of climate change, claims for storm and flood damage have the potential to increase in the coming years, making it even more important that static caravan owners purchase insurance to protect their home-away-from-home as extreme weather events become more frequent.

According to the Met Office 2, July 2023 was one of the wettest on record, with many parks across the country also being impacted by unseasonably windy weather, with gusts of up to 55mph recorded in Devon, Gwynedd, and Northumberland.

Analysis of claims data highlights how unpredictable UK weather can be. As a result of Storms Dudley, Eunice, and Franklin 3, February 2022 saw a significant increase in the number of claims for storm damage, up more than 2,000% on the previous year.

BEYOND REPAIR
In the UK, it is not a legal requirement to insure a static caravan. However, it is a condition of many caravan parks that caravan owners have adequate insurance to cover damage to their property when it is on-site. This insurance will also ensure a safe and efficient removal of the unit, should it be destroyed beyond repair.

Even if not completely destroyed, storm and flood damage can make a static caravan completely uninhabitable. “Unlike bricks and mortar holiday homes, static caravans are particularly susceptible to damage from storms or floods,” points out Karen Stacey, Managing Director of Compass.

“Unpredictable weather events, especially flash floods caused by heavy rain on parched ground during the summer, can cause a significant amount of damage to static caravans. “We know caravan parks do everything they can to protect the units on their site all year round but freak storms and the damage they cause are somewhat out of their control.

“Caravan owners should make sure that they have adequate insurance for their unit and take the time to do regular maintenance to ensure any damage is kept to a minimum.” For more information on specialist caravan and leisure insurance, visit compass.co.uk

CONTINUED INVESTMENT IN COASTAL PARK

Posted on October 25, 2023

CONTINUED INVESTMENT IN COASTAL PARK

MULTI-MILLION pound plans have been submitted for the development of a state-of-the- art leisure complex at a popular holiday park. SF Parks submitted proposals for a six-lane bowling alley, rooftop bar, extended amusement arcade and relocated reception and offices at its Golden Gate Holiday Centre in Towyn, Wales.

The revamped facilities will complement a new swimming pool and recently renovated clubhouse on-site and come as the business seeks to increase the current 7 ½ month season to 10 ½ months in a bid to further boost the local economy and create more full-time jobs.

Doing so would also mean these high-quality attractions could be used by caravan owners and the public throughout the year. It is another significant investment by directors Oliver and Jonathan Seldon, who want to build the seaside town’s reputation as a popular tourist destination.

“Bringing people to the area throughout the year, not just in the summer, is vital for Towyn and surrounding areas,” said Jonathan. “Which is why the application to extend the season at Golden Gate to 10 ½ months goes hand-in-hand with our plans to transform the leisure facilities and continue improving the experience for our loyal customers.”

UNDER-VALUE INSURANCE WARNING

Posted on August 2, 2022

UNDER-VALUE INSURANCE WARNING

COMPASS INSURANCE offers vital advice on insurance valuations.

 

Arguably the most important aspect of an owner’s caravan or lodge insurance is the sum they are insured for, Compass Insurance advises. It is not always the number the customer looks at, in the first instance, but it’s the one that, in the event of a claim, becomes critical. If the estimated amount is too low, then claims payments end up being reduced. “We’ve seen a few examples where the rising cost of new caravans has resulted in customers becoming under insured through absolutely no fault of their own,” explains Richard Walker, Head of Product, Marketing and Development at Compass Insurance.

“They insure for the right amount at their new business or renewal but then six months later when they have a claim, that sum is then not enough to cover a brand-new replacement.” “We have had instances like this and have made sure that customers weren’t penalised or left worse off and paid the claim in full. “However, we’ve also heard stories where this hasn’t happened and as with any contract, and insurance is at the end of the day a contract, if it isn’t written in, then you rely on good will and good faith. “So, at Compass, and because we work with the interests of the industry at our core, we set about making sure this couldn’t happen to any of our customers.”

POLICY PROTECTION
From June 2022 every customer who insures with Compass will benefit from protection in their policy against this. Richard continues: “We’ve introduced a very simple insurance ‘instrument’ known as a Waiver of Average and written it in a way that means so long as the customer insured for an amount that was correct and adequate at the point their policy was taken out, or at their most recent renewal. “We won’t make any deduction for under insurance if they find themselves under insured due to supply chain and replacement caravan issues.

“They need to be able to show that the amount was adequate at the time, and there obviously needs to be a valid claim in the first place and no issues with policy compliance,” Richard says. “But we know this offers the protection that customers need against the unintended consequences of the caravan market right now.” No one knows where the current rise in replacement costs might end up, or how long the pressure on the supply chain will last for, but the Compass team is ready and willing to enable you to support your owners in the best way possible.

Compass Insurance
T. 0344 274 3908
E. relationshipteam@compass.co.uk
W. www.compassparks.co.uk

GAME-CHANGING INTERNET COVERAGE

Posted on October 28, 2021

GAME-CHANGING INTERNET COVERAGE

PARKLINK™ OFFERS SUPER-FAST Internet connection for guests.

Holiday Parks no longer have to put up with nightmare broadband connections thanks to the introduction of ParkLink™ from Vital Wifi which enables super-fast speeds ‘Direct to the Van’ at a fraction of the cost of fibre.
It uses revolutionary technology designed to deliver consistently high-quality broadband across wide open remote outdoor sites.
“I can’t stress enough how vital it is for a holiday park to have a highly resilient and robust internet network,” comments John Bunn, who has collaborated with outdoor WiFi specialists Vital Wifi to develop ParkLink™ for the parks industry.
“Going forward, the network infrastructure will be the backbone for delivering essential services to caravan owners and key for the successful management of a park,” says John Bunn. “Internet infrastructure shouldn’t be viewed as a cost, it’s a business enabler for holiday parks,” he adds.
Paris Williams manages Tan Rallt, a family run holiday park in North Wales with 140 caravans. They used an industry-leading solution for their WiFi provision but still their guests experienced poor internet service with intermittent connectivity, dropped signal, low bandwidth and signal interference.
“Despite having a service contract, our staff were spending way too much time fiddling with routers they knew nothing about,” says Paris. “Then when the network went down for 11 days, taking up two full days of internal staff’s time to troubleshoot, it was time to find a better way.”
“Now, with ParkLink™ we provide free WiFi to all our guests and give them the option to upgrade for higher bandwidth directly from Vital Wifi, who installed the system entirely at their own expense. It’s a win, win and we can now attract guests who require an always-on super-fast connection.”

ParkLink™ – Powered by Vital Wifi
Tel. 0333 3583 111
www.parklink.co.uk

Paperless Policies Keep Giving

Posted on April 29, 2019

Paperless Policies Keep Giving

Paperless Policies Keep GivingCaravan, lodge and park owners continue to go paperless – helping their insurance provider, Leisuredays, to raise more and more money for national charity, Heart Research UK. As part of Leisuredays’ commitment to helping hearts, the company donates £1 to Heart Research UK every time a customer opts for an emailed policy rather than receiving their documents through the post. Throughout 2018, Leisuredays’ Paperless Policies campaign raised a hearty £14,292. Leisuredays’ Paperless Policies initiative has raised a massive £91,970 in the last nine years. Associate Director Laura Wilby presented Heart Research UK with a cheque during the Halifax-based company’s Healthy Heart day. As a big thank you, the charity delivered heart and cholesterol checks, plus lifestyle advice to staff, who celebrated with a health fair, eating healthy snacks and sharing recipes and exercise ideas.