Leisuredays are specialists in working with UK parks to insure customer holiday caravans and lodges...

Holiday Parks refer their customers to Leisuredays and then the insurance company’s team of over 60 advisers are on hand seven days a week to do the rest in terms of providing quotes, taking payment for cover, issuing documentation and managing renewals. The parks receive a valuable income stream on the policies sold and renewed.

Gareth Walker, Head of Leisuredays Development, says: “Parks love the ease at which they can refer customers to us, and trust our expert team to give great service to their owners. In the past many parks have taken on administration of insurance for customers themselves, but with growing regulatory requirements and a desire for park staff to focus on core park activities such as sales and day-to-day operations, many parks have made the switch to directing customers to a specialist.

Leisuredays are obviously very well set up for this with our contact centre and online quote and buy facility. We’re on hand to get park customers the cover they need quickly seven days a week. Gareth added, “We’re known for getting good take up rates amongst each park’s customer base with timely marketing, highly-rated service, great cover benefits and competitive pricing.

Despite insurance operations moving out of house on these parks, we’re still very good at keeping parks informed of who’s on cover and any ongoing claims.” Commenting on changes in risks seen on parks Gareth explained: “There’s not a great deal of change in common claim types made by caravan and lodge owners.

REVIEWING OUTFLOW points for flood water is essential.

The most common claims in 2024 included storm, flood, accidental damage to the inside and outside of units and then escape of water from toilets, showers, sinks and boilers - often leading to floor damage.” Gareth adds: “In terms of changes, it’s fair to say we’re noticing more frequent flooding. One in 50-year flooding events in some areas are becoming one in 10-year events and so on.

In terms of actual claims value the costliest, perhaps predictably, are for flooding and fire with these events often creating severe damage leading to major repairs or write offs.” Leisuredays have not taken the increase in flooding events lightly. In fact, they’ve been proactive in working with numerous parks to implement flood defences and flood mitigation strategies to lower the future risk of flooding.

These initiatives have also enabled the continued availability of insurance including vital flood cover at sensible premiums for the caravan owners on these parks. Testament to this in 2024 the company twice made finals in major insurance awards for its work with parks at risk of flooding.

Gareth expands on this: “Alongside our underwriter RSA, and an independent flood consultant, we have worked with parks on some major flood strategies resulting in the installation of bunds, piling, and state of the art sea walls to protect the park’s business and its customers from future weather events.” Talking about vital benefits provided by the Leisuredays insurance cover, Gareth explained: “In line with most common claims our policy covers caravan and lodge owners for flood, storm, fire, theft and accidental damage.

LEISUREDAYS INSURANCE have seen an increase in caravan owner flood claims on parks

Most owners get our new for old cover which means in the event a caravan or lodge is damaged beyond economic repair, we’ll buy them a brand new model as a replacement, subject to them having the correct sum insured. Obviously, in the event of a caravan needing replacement it’s costly to take the damaged one off the pitch and get rid of the debris, so our policy provides £10,000 of cover for that, and for re-siting and reconnection to services for the new replacement unit”.

Gareth went on to say: “What parks often find useful is our emergency repairs cover on customer policies. It allows them to make temporary repairs following serious damage to caravans and lodges, to make them water tight or secure and to prevent more damage or loss, in the knowledge we’ll pay them for the work.

Customers also love the benefit of ground rent cover paying them up to £2,500 when their caravan can’t be used as a result of an insured event.” If we were going to suggest any quick ways a park can reduce the extent of damage from flooding, we’d always recommend they look at existing park drainage – making sure floodwaters can escape the park quickly.

Leisuredays
01422 396 693
www.leisuredays.co.uk/smartway

LEISUREDAYS HAVE worked with parks on numerous flood defences such as this living wall on a Scottish park.