BE PREPARED

BE PREPARED

Secure your action plan for flooding risks...

FLOODING IS A SIGNIFICANT risk to holiday park businesses and organisations.

Unpredictable and extreme weather conditions are having a profound effect on businesses in the holiday sector. It is vital you are prepared in the event of a disaster. Flooding is a significant risk to businesses and organisations.

A relatively small depth of flooding can cause exceptionally high losses, with a depth of flooding of around 30cm likely to cause significant/total loss. Traditionally transferring the risk has been the easiest option but insurers are increasingly cautious around flood risks due to significant losses in recent years.

Insurers also have significant concerns around climate change and the impact this may have on flood losses with greater and more regular extreme weather events being experienced. If you’re unable to get flood cover at a reasonable cost, how else can you protect your park? PIB Insurance Brokers highlights four simple steps to assess and manage flood risk:

UNPREDICTABLE AND EXTREME weather conditions are having a profound effect on businesses.

STEP 1
IDENTIFY THE RISK
There are three types of flooding which are considered as having the potential to cause significant disruption in the UK. These are coastal, rivers and streams, and surface water.

GOV.UK provides services to tell you the flood risk of an area: www.check-long-term-flood-risk.service.gov.uk/risk  www. flood-map-for-planning.service.gov.uk/ The information can be limited but provides an overview of the flood risk.

 

STEP 2
ASSESS THE RISK AND IMPACT
Where a risk is identified, it is important to understand the extent of the risk and how this might impact on the business. A specialist risk advisor can assist in a number of ways.

There are various levels of attention depending upon the nature of the risk from a simple desktop review providing greater insight to the depths of flooding etc than is provided by the government backed services through a full site survey to a full hydrologists report.

When considering the impact it is important not just to consider the potential for material losses but also the associated interruption to the business and the financial impact which may occur.

 

 

STEP 3
CONSIDER RISK TREATMENT OPTIONS
There are various ways to look at flood risk management, this can be site level providing full protection to the site or protection of key assets such as building raised plinths for the location of mobile holiday homes and ensuring site level resources such as electrical and gas/LPG supplies are located above flood risk areas and connections etc are water resistant. A permanent protection will be more likely to be effective than a measure which requires a human response.

 

STEP 4
PLAN TO MITIGATE LOSS
A good business continuity plan will consider how the potential for the risk occurring is monitored such as receiving alerts from the environment agency and then deciding upon when the emergency.

David Plowman, Head of Property Risk Engineering at PIB Insurance Brokers advises: “Whilst movement of holiday homes is not practical in the event of flood warnings it can be ensured that future homes and replacement homes are built in consideration of the flood risk.

He continues: “There are core service areas within holiday parks, mitigating measures should be focused on these areas as loss of these can significantly impact sales and income dependent upon the business model of the holiday park. “Floods are likely to occur outside of core opening times and the implementation of demountable flood defences could be considered to buildings not in use outside of core season,” David adds.

 

PIB Insurance
Tel. 0330 058 9863
E. David.Moffat@pib-insurance.com
www.pib-insurance.com

A DECADE OF DESTINATIONS

A DECADE OF DESTINATIONS

Celebrating Holiday Park SCENE's tenth anniversary...

Flip the rewind switch on the time machine to 2013 and we find British Prime Minister David Cameron publishing a draft European Union Bill aimed at holding a referendum on Britain’s membership of the European Union by 2017. It was the year that former Prime Minister, Margaret Thatcher died, following a stroke, while Catherine, now Princess of Wales, gave birth to George Alexander Louis at St Mary’s Hospital, London.

On the sports scene, Andy Murray became the first British man to win Wimbledon since Fred Perry in 1936; defeating Novak Djokovic of Serbia in straight sets. Rising temperatures led to health warnings being issued, for Southern England and the Midlands, in the UK’s first prolonged heatwave since 2006. The weather continued to be challenging as, at the end of October, what became known as the St Judes’ Day storm, brought with it gusts of 99 mph at The Needles on the Isle of Wight.

2013 also saw the launch issue of Holiday Park SCENE, a new print and on-line magazine, packed with fresh ideas and a must-read for anyone who runs or works in a holiday park sector. The Holiday Park SCENE team set out its ambition to work as an extension of destination management teams. These core aims have stayed entrenched in the magazine’s mission statement to inform and inspire UK holiday destinations, boosting visitor experiences and reaping rich returns on investments.

For more than a decade now, Holiday Park SCENE has offered the inside track on the latest market news and reports covering all aspects of holiday park management. We have brought you behind the scenes news on destination businesses that are performing well as generously, they shared their experiences. But most importantly, we have talked to the people who matter – people who add the experience, energy and enthusiasm to keep raising standards across all areas of the UK and Eire holiday park sector.

With the help of our knowledgeable writing team over ten years, we have covered subjects as varied as holiday lodges, glamping, hot tubs, catering and entertainment. The Holiday Park SCENE team has looked at some of the latest options from camping to glamping and investigated the potential for health and wellness as an added value income for business, not just in the summer but all year through.

Over the course of its first decade, Holiday Park SCENE has held hands with some of the biggest names in UK holidays from Butlin’s to Parkdean and from Park Holidays to Hoseasons. Throughout ten busy years, that have simply flown by, the magazine has featured more than 250 destinations and well over 1,000 businesses within the magazine. Holiday Park SCENE has been granted a ten-year long front row seat as the boost in staycations and investment in family time saw the holiday sector enjoy a sustained boom period.

A fountain of inspiration, Holiday Park SCENE supported the networking opportunities at some of the industry’s leading trade shows and event to find out what they can offer businesses in the way of fresh ideas as well as new products and services. Holiday Park SCENE has frequently relied upon some of the UK’s leading parks to share their tips for an effective entertainment programme that will keep guests coming back for more through play and on-site attractions.

We have discussed the e-marketing revolution with the rise and rise of social media which we warned you would ignore at your peril. The New Year is often the traditional time to re-evaluate our business goals. An opportunity to take stock of the previous 12 months and resolve to make a difference for the year ahead. We examined the Winning Ways of maximising the potential of amusement and arcade game attractions.

The holiday park industry has always been ahead of the field when it comes to preserving the business development balance with Mother Nature. David Bellamy was a holiday park ambassador when it came to highlighting the eco-factor, building in green spaces and protecting nature. Holiday Park SCENE has reflected this with frequent looks at everything from eco-friendly accommodation and energy-efficient business choices like heat pumps and electric vehicles.

The first rule of marketing is that it is not good enough to be good. You have to be perceived to be good. So Holiday Park SCENE urged you to pick up your bucket and spade with a heap of tips and ideas that will enable your business to stand out from the crowd. We looked at the increasing use of automated control systems to dramatically reduce the risk of human error in the management of holiday park swimming pools. Holiday Park SCENE has regularly tackled the thorny issue of security with features like Lock Down.

We frequently carried advice on how holiday park destinations can maximise the potential of their water leisure offering, with the addition of splash pads, flumes and water play equipment. We urged you to put up the ‘do not disturb sign’ as we invited you to relish this packed edition with a wealth of inspiring initiatives and ideas to weave into your future business planning.

Probably our most popular and ‘stand-out’ cover of the first ten years, the September 2019 front cover featured one of the life-size wooden horse sculptures now on permanent display at two holiday destinations. More soaring temperatures had accommodation booked to full capacity and then some rain which had the happy visitors spending more on site activities, arcades and in the bars and restaurants. We regularly urged decision-makers to take time away and weigh-up the highs and lows for the season.

What worked well? What could have worked better and what short and long term improvements can be introduced. As well as our regular tips from fellow operators, we brought you timely features like Fashion Statements with the case for quality investment that some argue is crucial for the holiday park sector. We shared the catering thoughts of three holiday park businesses with their Recipe For Success. We also took a look at minimising hassle and maximising sales with our look at on-line management systems in, Click Here.

Like the rest of the sector, Holiday Park SCENE was eagerly anticipating the peak summer season ahead. There had been a general feeling of optimism and positivity in the air with early bird bookings up considerably, even on 2019’s high-flying figures. Then the small matter of COVID 19 hit. Not just the holiday sector but the entire plant. Official figures confirm the travel and tourism industries contributed 6.7% of all gross value added in the UK in 2018.

Since then, the coronavirus (COVID-19) pandemic impacted the sector heavily in 2020 and into 2021, with government restrictions both in the UK and worldwide preventing tourism for large periods of time. Within the UK, unnecessary travel was first discouraged on 16 March, before a nationwide lockdown was announced on 23 March. Travel was again impacted by the second and third English lockdowns in November 2020 and January 2021 and travel corridors were suspended on 18 January 2021.

Heavily into a stop-start-stop-go scenario, government measures helped in the retention of key staff with some timely business funding initiatives. Restrictions-permitted, the industry’s quick-thinkers took an opportunity to rethink and reinvest in facilities, while the customers were forced to stay away. Holiday Park SCENE reported on the top holiday accommodation trends and revealed the UK’s most popular holiday park destinations while raising the emerging issue of on-site e-charging.

Bonkers busy we knew, but we encouraged managers to locate a quiet cupboard or handy hidey-hole, to escape to, as they soaked up the packed ideas and inspiration throughout the latest edition of Holiday Park SCENE. With the pandemic truly behind us, we challenged business development planners to create an action list with at least five short and long term goals that will help you future-proof business.

The Holiday Park SCENE team pulled out all the stops to keep you abreast of industry trends; sharing good practice with a lodge-full of ideas on maximising the boom in the UK holiday sector. With nearly half of all businesses reporting cyber-crime security issues as well as crucial advice, you could not afford to miss in Lock It Or Lose Out. As we set out on the second decade of reporting on the vibrant UK holiday industry, we feel proud and privileged to work alongside some exceptional businesses and some outstanding people.

We will continue to recommend a pack of sticker notes to mark those pages that you would like to share with the team and to contact some of the advertisers that make Holiday Park SCENE possible. Three cheers to the first ten years as we toast the second decade yet to come!

Safety First For Holiday Hot Tubs

lorica

Peter Heffer, director of holiday parks at Lorica Insurance warns hot tub owners to ensure they have the right insurance cover.

Safety First For Holiday Hot Tubs

The increasing popularity and demand for holiday hot tubs can be a double-edged sword for holiday park operators.

Installing a hot tub is a substantial investment that can add real value to a holiday property. Even so, unexpected events can happen which can result in serious damage to the tub or to the bathers. For this reason park owners should be aware of the risks and ensure that they’re fully protected by their insurance policy.

“Firstly, there is the risk of damage to the hot tub itself and an insurer needs to appreciate that they are providing cover for this aspect,” explains Peter Heffer, director of holiday parks at Lorica Insurance.

"For example, is the tub an intrinsic part of the holiday or residential home structure or is it a standalone unit, which is arguably contents.”

Peter adds: “Other important questions to think about include does the sum insured cater for the hot tub? Does the insurer provide full policy cover or are certain losses, such as escape of water and accidental damage, excluded? Will cover operate if the home is sub-let?”

There is also the question of cover for injury to third parties. When it comes to hot tubs there can be increased risk of disease if the tub is not properly cared for and maintained to a high standard. With this in mind, Peter stresses the importance of ensuring that you are covered for legal liability to members of the public should they contract an illness or suffer an injury whilst using the hot tub.

Peter adds: “Lastly, you should consider if your insurance policy involves any special conditions that require you to conform to manufacturers’ safety and maintenance requirements. Whether the hot tub was professionally installed or not can also affect the policy.”

Lorica strongly recommend that you check your individual requirements and cover position with your insurance advisor. Talk to the Lorica team today to be sure you are prepared and fully covered for all eventualities.

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