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
INSURANCE SPECIALISTS
When it comes to accommodation, the ‘one size fits all’ philosophy is long gone, as parks now strive to provide bespoke options to suit all tastes and clientele. Today’s holiday parks are more inclusive than ever before. With a vast selection of accommodation and activities now available to choose from, it’s no wonder that an increasingly broad clientele of people are opting to holiday close to home. Parks up and down the country are expanding their horizons when it comes to accommodation, with most offering a good range of options for families with small children, teenagers and young couples as well as the older generation. And what’s more, it’s a shift that’s paying off, with more and more parks reaping the financial rewards. Henry Wild, of Skelwith Fold caravan park in the Lake District, says that new ways for guests to stay on parks are helping to ensure bookings and drive down the average age of visitors: "About a decade ago, many park industry commentators became concerned at what they saw as an increasingly mature market of visitors and holiday home buyers. Their conclusion was that without new blood being drawn in, numbers in these sectors would be sent on a downward trajectory. "What they didn't foresee was a combination of factors, which has led many younger couples and families to become familiar with the park product, helping to underpin this industry's future.”
"Another factor which couldn't have been predicted a decade ago, and which has also broadened the appeal of parks to new markets, are concerns over Brexit and the accompanying fall in the value of the pound .which has driven up the cost of holidays overseas,” he comments. "Combine this with a series of spectacular summers in recent years, and many people are now questioning whether a UK holiday might offer more fun and a lot less stress than going abroad. The superbly high standards of modern holiday homes reinforces the argument, and makes a pretty persuasive case for owning a holiday home in this country.” According to holiday park owner and operator Bridge Leisure, the uncertainty surrounding Brexit is already having a positive impact on UK staycations. Their advance bookings for 2019 have seen a 30 per cent increase across their nine parks, with Ashbourne Heights in Derbyshire already up by 150 per cent on the same period last year. CEO Andrew Howe believes they are definitely benefitting from the Brexit effect, he said: “Staycations are becoming increasingly popular anyway but with the lack of clarity around what a deal or no deal Brexit means for travellers, people just want to avoid any nasty surprises and seem to be opting for a UK holiday instead.” To meet the demand, Bridge Leisure are continuing to invest in their accommodation options, to ensure that they are hitting the spot when it comes to their customer’s expectations. “Staycations are becoming more and more popular, so the various types of accommodation continue to evolve and develop to meet what the customer is looking for in all sorts of shapes, styles and sizes,” says Andrew.
In terms of maintaining a high standard of accommodation on their parks, Bridge Leisure have a dedicated on-site team who carry out regular checks and keep everything in tip-top condition. “There isn’t really a hard and fast rule for when accommodation should be replaced. Different types will have different life cycles,” says Andrew. “We have an annual refurbishment programme across all of our parks and this year we are investing over half a million in new units. We want to make sure customers have a choice of different accommodation to suit different requirements and budgets.” For park owners that are looking to invest in new accommodation, choosing the right supplier is a key decision. A good supplier is easy to deal with, consistent, reliable and provides quality products and suitable prices. In turn, this helps you to focus on your park and deliver a high-level of service to your guests. An average supplier can, at best, take up your valuable time and, at worst, can cause a knock-on effect that impacts your service, guests and profit. “When choosing an accommodation supplier I’m sure top of most people’s lists will be value for money, quality and innovation,” comments Andrew. “But in addition, we look for suppliers who understand the demands of our business and deliver within agreed timescales.”
There is no shortcut to risk assessing each and every park-owned unit onsite. The risks associated with a caravan holiday home or lodge will differ from those associated with a glamping pod, which will differ still to those associated with a tepee, safari tent or ready tent. Parks should ensure that all park-owned accommodation meets relevant regulatory safety requirements. This is also required by the Policy wording. Subsequently, units should be kept in good condition and it is crucial that records of all operating procedures, maintenance, checking and cleaning are meticulously documented and kept readily accessible. The Compass spokesperson warns: “If a park cannot prove, using up-to-date and documented evidence, that it has taken all reasonable steps to minimise health and safety risks, it may be impossible for an insurer to defend a liability claim. The park could also end up in trouble with the HSE!” According to Compass, the type of cover and the cost of insurance will vary according to the type of accommodation on a park. This is relevant to the risk presented. For example, it may be more expensive to insure a pod with a wood burner than one without, simply because there is more likelihood of a fire-related incident where a wood burner exists. Premium costs will also vary depending on the number, variety, age and value of the units requiring cover. “Insurance can be expensive so while it is very important not to underinsure, over-insuring won’t help either! In this regard, maintaining an accurate valuation of park-owned accommodation is vital,” advises the spokesperson. “The value of accommodation should be reviewed on an annual basis, but policies can and should be amended mid-term too if new units are purchased or sold. It is important to keep your insurer informed about investment and development throughout the year so that they can ensure your policy is fully up-to-date.” To keep things as simple as possible, park owners would be wise to choose a specialist provider that can cover all of their park-owned accommodation under a single policy avoiding issues, should a claim occur, over which provider is responsible.
Red Letter Event
World Leisure (UK) is a multi-award winning provider of a complete range of design, technical and installation services for the water leisure industry. With expertise in pool and plant design and installation, the company delivers projects ranging from exclusive domestic developments through to large international projects. Associated with the best manufacturers in the world for specialist equipment supplies, energy conservation is always at the forefront of design. As well as pool finishes, other core areas of expertise include water treatment plants, wave machines, water features, water slides, moveable floors, wellbeing controlled environments, and all other aspects of swimming pools that developments require. The company also has a dedicated wellness division, working throughout the UK, installing high quality climate-controlled environments and treatments rooms, including fully automatic rasul and serail mud treatments, Japanese salt steam rooms, Turkish hammams, and ice baths, for skin, respiratory and immune system health.
Energy Controls is the UK`s leading supplier of electricity SMART Meters and prepayment metering systems to Holiday Parks throughout the UK. The company specialises in providing customers with ‘cost neutral’, fully managed metering solutions including installation and support for prepayment meters as well as data collection for SMART Meters. Through their exclusive relationship with PayPoint, Energy Controls customers can now top up their meters using a variety of consumer-friendly options such as: Paypoint retailers nationwide, online or via the new ‘Smart Prepay’ mobile app for greater prepayment flexibility. Energy Controls appreciate the importance of safe, reliable and accurate metering and have become market leaders, not only by supplying the highest quality UK manufactured metering products, but also in terms of keeping customers informed about important changes in metering legislation. With 30 years of knowledge and expertise Energy Controls are perfectly placed to help businesses to plan and prepare for the future with confidence. Energy Controls guarantee to supply only the very latest metering products that have been designed and tested to Utility Company standards and therefore comply with the UK and EU`s current and future legislation such as MID (Measuring Instruments Directive).
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