Public Liability

DO YOU KNOW ABOUT MARTYN’S LAW?

Posted on August 7, 2024

Compass Insurance takes time to tell us about something a little different than the usual world of insurance but about some legislation that, potentially, could affect many parks.

WHAT IS MARTYN’S LAW?
To give it the correct title, the Terrorism (Protection of Premises) Bill is a piece of legislation contained within the King’s Speech last November. It has recently completed a public consultation and the Home Office will respond on this in the near future with a view to pushing the Act through Parliament in the current term.

It will be applicable across England, Wales, Scotland, and Northern Ireland. This Bill has its origins in the Manchester Concert Bomb attack in 2017, where alongside 21 others Martyn Hyett lost his life. Since the attack, a campaign has been led by Martyn’s mum to pass a law requiring hospitality and retail venues to improve their awareness of and their level of security against terrorist threat.

WHAT WILL MARTYN’S LAW DO?
Through Martyn’s Law premises will be better prepared, ready to respond and their staff will know what to do in the event of a terrorist attack. It will enhance public safety by ensuring there is better preparedness for, and protection from, terrorist attacks. This will be done by mandating, for the first time, who is responsible for considering the risk from terrorism and how they would respond to a terrorist attack at certain premises and events.

HOW DOES THIS AFFECT ME?
The proposed law will require any venue with a capacity for over 100 people to carry out certain measures and assessments to be able to lawfully conduct their business. There are several requirements for a venue to fall under the jurisdiction of Martyn’s Law, including:

• Premises and events must be open to the public.
• The premises’ purpose must be listed in the bill – these can include retail areas, events venues, entertainment, and leisure venues, etc.
• Premises must have capacity for at least 100 people.
• Premises may be a building or location with clearly defined boundaries and access routes (by permission).
• Temporary events like festivals are also included in the bill, where they need permission to enter and a capacity of more than 800 people.
• It is proposed that there will be a standard tier (100 to 799 capacity) and an enhanced tier (over 800 capacity).

THE TERRORISM (Protection of Premises) Bill is a piece of legislation contained within the King’s Speech last.

STANDARD TIER
Under Martyn’s Law, the standard tier is a baseline measure for venues with a capacity between 100 and 799. The Bill will aim to set out low-cost, practical, and effective measures to help improve preparedness in case of an attack. This may include sharing information, providing additional training for staff, and creating a preparedness plan to ingrain certain practices.

Examples include locking doors to prevent easy progress through a venue, or providing enhanced first-aid training to staff members so they can provide vital care before the emergency services arrive. Currently, the standard tier of Martyn’s Law is under consultation before it can be formalised.

This is because the law needs to provide a proportionate response that is possible for smaller venues to achieve, without being a burden. This balance is essential, as the law is designed to protect people, not penalise businesses because they don’t have the infrastructure or budget to meet the new requirements.

ENHANCED TIER
Larger events and venues, with 800+ capacity, will fall under the enhanced tier of Martyn’s Law. The enhanced tier has additional requirements to fulfil, largely in recognition that there is the possibility for more serious ramifications of a successful attack at a larger venue, like the number and severity of injuries, and the difficulty of a response on a large scale.

Measures under the enhanced tier include taking ‘reasonably practicable’ actions to reduce the risk of a terrorist attack and reduce the physical harm caused, keeping, and updating an assessed security document and designating a ‘senior member’ of staff for the venue or event.

THE PROPOSED LAW will require any venue with a capacity for over 100 people to carry out certain measures and assessments to be able to lawfully conduct their business.

SO, WILL THIS REALLY AFFECT ME?
Most clubhouses, bars and cafés will have a capacity of over 100, especially if outside tables/seating are included (which must be when calculating capacity!) and any members of staff that are involved in serving in this area at the time should also be included. From time to time, we receive requests from parks to cover festivals, displays or exhibitions that may exceed the 800 attendance mark. Below are some of the covers that may be relevant to members when Martyn’s Law is passed.

• Material Damage and Business Interruption
• Terrorism cover is very rarely purchased by holiday parks as terrorist attacks most often occur in cities and major towns.
• We are not suggesting park owners rush out and buy this as the proposed legislation does not impact a park’s decision to purchase this cover.
• Employers’ Liability (EL)
• Standard EL cover will include a limit for terrorism – usually £5 million for any one claim.
• Public Liability (PL)
• Standard PL will also include an inner limit for terrorism, usually £5 million for any one claim.

Once this legislation is passed, if members have a qualifying venue, then they will be required by law to carry out the necessary risk assessments and implement any necessary risk controls. So, this isn’t the law yet, but it could be pretty soon and it’s helpful to know what might be coming down the track.

One final note – there are plenty of ‘deals’ being offered from training companies at the moment with comprehensive-looking packages and services available. Our advice is to ignore all of them at this stage! The full parameters are not known at this time and the legislation is still being formulated.

Compass Insurance
0344 274 0876
www.compassparks.co.uk

THIRD PARTY SAVVY WORKING

Posted on October 25, 2023

THIRD PARTY SAVVY WORKING

CHECK ALL ON-SITE contractors are insured.

For many parks bringing third parties and contractors on site to complete works is part of everyday life. Whether it’s for large developments, upgrades or just simple repairs and maintenance, having other businesses onsite is a regular occurrence.

As we head into the period when many parks undertake important maintenance and development work, specialist holiday park insurance providers, Compass, have put together some helpful tips to consider when it comes to insurance. Contractors come in all shapes and sizes, from large commercial businesses to bona fide contractors.

Regardless of the type of their business, the length of contract and the work they are undertaking, when coming onto your park requires them to have their own insurance cover. The only exception is if you’re employing a labour-only sub-contractor as they are automatically classed as your employee by most commercial policies and would therefore be covered on your own policy.

From an insurance perspective you want to check that:
• The contractor does have insurance in place
• That insurance is specific to the work they are going to undertake
• Their insurance doesn’t expose you and your policy to any claims

Remember, a contractor working on your park without the right level of insurance could expose you, the most obvious way is in your liability to the public. The limit of indemnity (LOI) on Public Liability needs to be the same as the limit you have on your Park business policy, referred to as being ‘back to back’.

If it isn’t then in the event of a liability incident, you could find yourself picking up the gap in an award to a claimant. Compass has produced a handy check list for you to use which you can find on www.compassparks.co.uk

BEST SITE IMPRESSIONS

Posted on October 27, 2022

BEST SITE IMPRESSIONS

Advice from leading suppliers on your holiday park landscaping purchases...

 

THE KUBOTA G-SERIES has been designed for high performance and ease of operation.

 

Not to be underestimated, the importance of that first impression of your holiday location is an opportunity only served once. Everything your guests can see when they arrive needs to be immaculately maintained especially keeping a keen-eyed view on open spaces, driveways and garden areas.

“First impressions count, and this is particularly relevant in the holiday parks sector, be it the customer’s first impression on arrival or the images portrayed on your website,” emphasises Rupert Price, the owner of Price Turfcare, the UK importer of the Ventrac range of turf maintenance equipment. “This visual presentation is so important and could be the difference between your prospective client choosing your site over one that is close by.” Rupert continues: “All parks have copious areas of grass that need to be maintained in good order; long grass looks unsightly and gives the impression of neglect, so the condition and presentation is vital.” There are many mowers on the market from walk-behinds and ride-ons, either rotary or cylinder, the occasional flail, and even remote-controlled mowers for sloping ground that can help you achieve the perfect picture.

 

ONLY PURPOSE-BUILT machinery like the Ventrac can tackle slopes over 15 degrees.

 

PERFECT PICTURES
Walk-behind mowers, be they cylinder or rotary, are ideal for confined spaces but for large areas they are unproductive and labour intensive. Ride-ons come in various sizes from the semi-commercial small out-front rotaries to the large commercial cylinder mowers with rollers that provide attractive striping.

If a sloping bank is greater than 15 degrees, it is unlawful to operate the machine as it may roll over. To overcome this, remote-controlled mowers have been introduced, which enables the operator to stand clear of the machine and work from a safe distance. Most of these machines have a limited cutting width, so again productivity is an issue.

They are normally tracked vehicles and, in wet conditions, can ruin a grass bank when turning. Vitally, Ventrac and Price Turfcare offer an alternative that can overcome all of these issues and do more than just cut grass and, more importantly, in a safe manner. “We can legitimately operate on slopes up to 30 degrees, twice their permitted angle and allowing areas that may have not been maintained regularly, to be tamed,” Rupert explains.

 

WITH OVER 100 YEARS EXPERIENCE, Makita offers over 290 products in its LXT battery powered range alone.

 

MOWING DECKS
“With seven different mowing decks we’re obviously not a one-trick pony, but with numerous other attachments we can provide the versatility you should be demanding from your equipment.” It is worth noting, the Ventrac offers a Power Broom for removing debris from hard surfaces, ideal for car parks and paved areas. The Power Rake is a great tool for renovating compacted hardcore pitches or Type 1 aggregate road and pathways.

 

COMPACTED PITCHES
Compaction to pitches, caused by the continual use by tents, caravans and motorhomes over the course of a season, can be relieved using the Aera-vator and attaching the Seeder unit it is possible to aerate and overseed in a single pass. There are a couple of debris blowers, the Turbine blower and Power blower, for removing autumnal leaves on parks close to or surrounded by woodland and finally, the Boom mower, for maintaining hedges and lake margins.

Trevalgan is an award-winning, luxury, five-star, family camping and touring park with stunning coastal and countryside views, just two miles from St Ives. The Park, which is owned and run by Neil and Annette Osborne, is surrounded by open farmland, with gorse and heather covered hills behind, and is within walking distance of the rugged and beautiful South West Coast Path. They recently invested in a Ventrac landscaping package. Neil explains: “The main reason I was interested in the Ventrac package was because of the ease of changing the implements safely and quickly on my own. The compact size and manoeuvrability of the machine is ideal for our busy campsite and enables me to get in to all the tight spaces. “The overall quality of the machine and implements are excellent. I have been very impressed by the Area-vator as this helps to relieve the compaction of the pitches caused by a five-month season of continual use by tents, caravans and motorhomes. Neil adds: “At the end of the season, this versatile implement can also re-seed the pitch at the same time, which makes the Ventrac very time efficient and I have been more than pleased with the end result.”

 

WHENWORKING with any outdoor equipment, ensure all workers wear the correct personal protective equipment (PPE). Pic. Makita

 

FIT FOR PURPOSE
Of course, professionals using any power tool will naturally demand a product that can do the job with ease. Outdoor equipment and power tools that are powered by lithium-ion batteries and manufactured by trusted manufacturers can reliably offer users this reassurance, as lithium-ion batteries can hold high levels of energy and will work for long periods of time without needing to be charged.

“For professionals who rely on a machine for their livelihood, quality shouldn’t be compromised, and users should only source equipment from trusted manufacturers to make sure the tool is fit for the job,” says Mark Earles, Product Development Manager for Outdoor Products at Makita UK. “This is particularly important when using battery-powered products,’ he adds.

The temptation to use third party, uncertified, cheap batteries can lead to poor product performance, or even risk fire and injury. Using a third-party battery will also invalidate any tool warranties. Only use genuine batteries from the manufacturer that have been fully tested and guaranteed to work with the tool and Users are increasingly looking for more sustainable solutions, with a move toward battery powered tools that can replace petrol, or corded alternatives.

Cordless products offer freedom to move about on site, without spending time on the safe management of trailing cables in public areas, or handling petrol – and the associated fumes for those nearby.

 

ON DISPLAY AT SALTEX, the 648S brings more innovative features to the time-tested machine that changed the way you aerate.

 

DO NOT DISTURB
A further priority, particularly for those working on a public site, is noise. Cordless machines are typically quieter than petrol products, making them an ideal choice for working through the day whilst minimising disturbance for holiday park guests. In line with this, Makita stopped manufacturing its petrol-powered products in January this year to concentrate on developing its cordless range further to evolve with the needs of the market.

Mark advises: “When investing into a cordless system of outdoor equipment, choose a manufacturer that offers a range of tools powered by the same battery platform. “This not only makes switching between jobs easier, but also reduces costs if you buy the ‘body only’ models -- without battery and charger – simply use your existing batteries and chargers to power your entire collection, rather than purchasing new ones every time.” Users also want tools that offer productivity and efficiency gains. Makita is constantly refining its battery and charging technologies, to provide the performance and power that professionals need as well supporting greener and cleaner products for the industry.

 

LEAF BLOWERS such as Makita’s DUB186 18V LXT Bower are hugely popular and essential to clear paths and public areas from autumn leaves.

 

BATTERY PACK
Makita manufactures a wide range of outdoor equipment and construction power tools with a core focus on cordless technology. With over 100 years’ experience, the company has refined this expertise and today offers over 290 products in its LXT battery powered range alone.

The LXT collection includes products such as blowers, lawnmowers, linetrimmers and hedge trimmers, as well as drills, saws, drivers and wrenches, even radios, heated jackets and kettles and the company continues to add more to the range each year. This means outdoor professionals have a huge choice of kit that can all be powered by the same battery without the restriction of cords or petrol.

Simply switch the battery to a different tool to tackle every type of job, anywhere on site, with ease. At this time of year, leaf blowers such as the DUB186 18V LXT Bower are a hugely popular and essential product to clear paths and public areas from autumn leaves. The DUB186 is compact and lightweight solution that can be easily transported around site, offering a maximum air volume of 3.2m2/min and variable speed control. Linetrimmers are also an essential grounds maintenance solution that remain popular thanks to their versatility and effectiveness in making light work of neatening grassy areas.

A tool such as the DUR192L 18V LXT Line-trimmer can be used to tidy edges around borders, trim awkward areas around static caravans, decking, fences and walls, as well as heavier duty applications to clear weeds and long grass. Its quiet operation is ideal for use in public spaces.

 

TAKING PLACE ON NOVEMBER 2 and 3, SALTEX offers a huge learning curve and landscaping solutions.

 

FREE TRAINING
Take advantage of manufacturers, like Makita, that offer free training on using equipment correctly and safely. When working with any outdoor equipment, always wear the correct personal protective equipment (PPE). Ensure staff wear and use the correct safety equipment.

Failing to do so could cost an employee’s eyesight, hearing, a finger, the end of a career, or worse. As we head into winter, what better time to evaluate your outdoor areas and carry out the necessary modifications to make your guests’ first impressions count in time for the 2023 season. “The landscape and surroundings of your holiday park or caravan site provide the backdrop for a picture-postcard holiday,” urges Phil Catley, Kubota (UK)’s Ground Care Product Manager. “When it comes to grounds maintenance, mowing will likely be the operation conducted most frequently and by making simple changes to your cutting regime – such as considering cut and collect – it can have major benefits, not just to site presentation. Mowing of both communal spaces and those in and around chalets and statics is absolutely essential to maintaining the aesthetic quality of your site, and in peak growing season may be conducted on a daily basis. The finesse of a clean cut however, can sometimes be compromised by the clippings left behind following the pass of a ride-on mower.”

The Kubota G-Series has been designed for high performance and ease of operation, offering impressive cutting performance on grass of all lengths and in all conditions. For landscaped areas close to holiday lets, many Grounds Managers are now turning to ride-on units that offer cut and collect – delivering precision and accuracy of cut and removal of the clippings produced in a single pass. Says Phil: “Not only does this enhance presentation and reduce the risk and problems associated with the mown grass being trodden into accommodation, removal of clippings is also great for turf health. “Your grass surfaces are living organisms, that require both air and sunlight to create food and grow,” advises Phil.

“Allowing thick piles of clippings to accumulate can create dark, warm and damp micro-climates that can lead to issues with certain turf diseases which can ultimately impact on the health and overall appearance of your green spaces.”

 

WITH SEVEN different mowing decks Ventrac is much more than a one-trick pony.

 

SHOW DATES
They say planning is the key to success and in the case of outdoor space and landscaping – a well thought out strategy will pay huge dividends not least by avoiding costly mistakes. SALTEX 2022 takes place at Birmingham’s NEC on Wednesday and Thursday, November 2 and 3, and promises a wealth of practical tips and product to add to your outdoor landscaping plans. SALTEX attracts the most exhibitors in the industry to one place at any one time.

With new exhibitors coming on board weekly, the 2022 event is already set to be the biggest and best show yet. SALTEX continues to attract the best in the business – with visitor registrations from over 30 countries already confirmed with a roll call of domestic and international exhibitors signed-up. Free to attend, the show includes the ever-popular Learning LIVE programme - a key element in the SALTEX offering, which has this year been extended to over 30 sessions with influential speakers addressing a range of key issues impacting the industry. High on the agenda are sustainability and environmental issues.

SALTEX is an event grounds people have always made the time to attend. Visitor and exhibitor feedback surveys confirm that the networking opportunities are a massive draw and never more so than in the post-pandemic landscape. 2021 survey data showed that almost half (46%) of visitors attend for networking opportunities; over two-thirds (68%) attend to source new products, services, and suppliers; topped by an extremely high satisfaction rating of 83% voting the show as Good, Very Good or Excellent.

 

WITH SEVEN different mowing decks Ventrac is much more than a one-trick pony.

 

BIG DRAW
Reesink UK will be represented at SALTEX 2022 with innovations and technologies, new launches and best sellers from all four of its divisions Reesink Turfcare, Reesink e-Vehicles, Reesink Agriculture and Reesink Hydro-Scapes for the first time. Bound to be a big draw will be two Toro product launches from Reesink Turfcare. The new Toro ProCore 648s and ToroWorkman UTX 4x4.

Building on the incredible legacy of the ProCore 648, the 648s brings more innovative features to the time-tested machine that changed the way you aerate. The s stands for superior – and superior it is. An updated version of a customer- favourite model, there are more than 10 new patents and some brand-new enhancements based off operator feedback and Toro’s own in-depth studies. Revised controls improve ergonomics and allow single handed operation, and hole spacing and true tine depth are now set and saved in the Info Centre. Reesink will also unveil the latest powerhouse from Toro to tackle all terrains thrown at it: the new Toro Workman UTX 4x4. The fourth utility vehicle in the series, it tackles all terrains and environments including ice and snow.

This robust four-wheel drive, full- sized utility vehicle has 25 percent more cargo capacity than others in its class and blasts through its tasks. Finishing the line up from Reesink Turfcare is Toro’s Groundsmaster 3300 mower, back with its innovative flail attachment, and one of two tractors – the TYM T395 is coupled with an AgriMetal blower attachment at the show.

The industry’s first all-electric compact tractor from Reesink Agriculture is the second on stand. Since Farmtrac’s FT25G launched, it’s won awards, been on multiple TV programmes and impressed the industry’s electric vehicles and technology enthusiasts, as well as winning the SALTEX Innovation Award in the Environmental and Sustainability category. So, if you’ve missed seeing it in person up until now, now’s your chance. With the theme of the show sustainability, Reesink e-Vehicles is ably represented by the electric CapellaWork Machine with cargo box from STAR EV and KAASPEED’s unique electric scooter. Both make transporting cargo and people around the site fun, clean and green.

Also on display, and the next big thing for sustainable cleaning of machinery, is Bio-Circle GT Maxi, the parts cleaner that requires no water and eliminates pollutant run-off into the water system. This VOC-free, pH neutral cleaning option is gentle on the environment but powerful enough to remove grease, oil, grass contamination, white-line paint and fertiliser.

From Reesink Hydro-Scapes, there’s a selection of irrigation and water aeration solutions, encapsulating the long established and industry-leading Toro irrigation systems, controllers, sprinklers and soil sensors, Otterbine pond and lake aerators; SRC wall-mounted controllers and quick-replace Franklin pump systems.

 

INSURANCE MATTERS
For many parks bringing third parties and contractors on site to complete works is part of everyday life. Whether it’s for large developments, upgrades or just simple repairs and maintenance, having other businesses onsite is a regular occurrence. As we head into the period when many parks undertake important maintenance and development work, specialist insurers, Compass, has put together some helpful tips to consider when it comes to their insurance. From an insurance perspective you want to check that:

1. The contractor does have insurance in place.
2. That insurance is specific to the work they are going to undertake
3. Their insurance doesn’t expose you and your policy to any claims Contractors come in all shapes and sizes, from large commercial businesses to bona fide contractors, Compass advises.

Regardless of the type of their business, the length of contract and the work they are undertaking when coming onto your park requires them to have their own insurance cover. The only exception is if you’re employing a labour only sub-contractor as they are automatically classed as your employee by most commercial policies and would therefore be covered on your own policy.

A contractor working on your park without the right level of insurance could expose you, the most obvious way is in your liability to the public. The limit of indemnity (LOI) on Public Liability needs to be the same as the limit you have on your Park business policy, referred to as being ‘back to back’. If it isn’t then in the event of a liability incident, you could find yourself picking up the gap in an award to a claimant.

 

 

COMPANY CONTACTS

Compass Insurance
Tel. 0344 274 0276
Email: enquiries@compass.co.uk
www.compassparks.co.uk

Kubota (U.K.) Limited
Tel: 01844 268205
www.kubota.com

Makita UK
Tel. 01908 211678
www.makitauk.com

Price Turfcare
Tel. 01284 827540
www.priceturfcare.com

Resink
Tel. 01480 226800
www.reesinkturfcare.co.uk

SALTEX
Tel. 07754 552405
www.saltex.org.uk

BEWARE THE SLIPS AND TRIPS

Posted on February 16, 2022

BEWARE THE SLIPS AND TRIPS

All you need to know about holiday park insurance…

 

WINTER IS TRADITIONALLY the time to check if your park and all its assets are properly protected against any eventuality.

 

As a holiday and caravan park owner or manager, the quieter winter season is often used as an opportunity to run annual maintenance checks and undertake refurbishment to interiors and exteriors where needed.
This is also a time when it is important to make sure that your park and all its assets are properly protected against any eventuality.
“Holiday park insurance can help you to identify what your park insurance needs are, and to make certain that these are provided for with a cost-effective policy,” says Dave Moffat, Director of Pib Group Insurance, the company behind the popular Park Protect scheme.
Whilst holiday parks present similar risk to many businesses there are significant differences. Holiday parks rely on the infrastructure on the park in the form of underground pipes and hook ups, access barriers, on site lighting etc and it is important that your insurance policy can cater for this.
“Many holiday parks will also have holiday home hire feet and holiday home stock,” advises Dave. “As such it is important that a parks insurance policy is able to cater for such units and also the debris removal and re-siting costs associated with replacing holiday homes. ”These are just two of many areas to consider when insuring holiday parks and it is important that your needs are professionally assessed.

 

 

REVENUE LOSS
In addition to recouping the actual financial cost of rebuilding or buying new holiday homes and buildings, it makes financial sense to obtain insurance which will provide you with a cover for the loss of revenue or profit incurred following a material loss.
It is important that you seek professional advice in this area to make sure the sum insured and indemnity period are sufficient for your business needs and the period your business could be affected following a serious loss, such as a fire or flood.
Pib offers common sense advice: “Having members of the public stay in your caravans and spend time in your park on a daily basis also exposes you to other financial risks.
“We live in an increasingly compensation-based culture, in which some people are willing to sue for the smallest things. Though some compensation claims may be for fatuous reasons, there are also very real risks within any holiday park that could result in injury or loss.”
One indemnity limit area holiday parks do need to consider is the limit of indemnity under this cover as the levels of very serious losses has increased exponentially in recent years and claims well in excess of £5m are no longer unusual. Crucially the limit of indemnity is set at the time of the incident but the ultimate settlement amount can fluctuate depending on the calculators used for such claims at the time of settlement. It is not possible to buy additional cover after the event and if your limit of indemnity is exhausted you would be responsible for the shortfall.
All businesses with employees are required to have Employers Liability Insurance arrangements, which usually has a £10,000,000 limit of indemnity. As with Public Liability, all Holiday Parks should consider higher limits of indemnity as it is no longer inconceivable that a very serious injury to an employee could exhaust this cover. The cost of arranging such Excess Liability cover is relatively small and should be discussed with a specialist Insurance provider.

 

Each holiday park will have different insurance needs, depending on size and a variety of other factors. A large-scale park with hundreds of caravans will have different policy requirements to that of a smaller family run park.
Insuring more than 200 caravan and holiday parks across the UK, Park Protect provides tailor-made insurance for the specific needs of your business.
Meanwhile, with all the signs pointing towards another bumper year for the industry what do Holiday Parks need to think about in relation to Insurance.
Compass Insurance have consistently raised awareness about the importance of being insured for the right amount, whether that’s parks themselves or their owners and their individual caravans and lodges. As the costs of rebuilding and replacing park buildings and in particular, caravans and lodges increases, this places more emphasis on sums insured being accurate.
For Parks this means making sure that any buildings and infrastructure insured on their policy is accurate and in some cases a valuation or survey is a good idea especially if you haven’t reviewed this for a few years.
Analysis at the end of 2021 showed that the cost of rebuilding and repairing damaged buildings had increased 7.9% in the last 12 months and forecasts show this continuing to increase as shortages of materials and labour continue into 2022. With that in mind we’re introducing a valuation service for parks insured with Compass so they can have the peace of mind that comes with a professional valuation for their sums insured.
For the owners of individual caravans on your park this can have greater significance as the current issues with supply of new and second-hand units means that what a customer insured for in good faith just six months ago may already be less than the cost of replacing that unit in today’s market.

 

 

IN GOOD FAITH
Compass always look at what the customer insured for at the point the policy was taken out or renewed and base our assessment of any claim on that value. In 2022 our policies will also be updated to contain a provision for this growing trend so that customers don’t find themselves underinsured for no fault of their own.
Compass are renowned for our market leading Holiday Caravan and Lodge product but in 2021 they invested time and resource in developing and launching more products that parks and their customers can benefit from.
Its Residential Park Home product underwent a major overhaul including the introduction of two tiers of cover (Essentials and Extra) which enable the customer to tailor it to meet their needs, as well as the addition of Home Emergency and Legal Expenses as optional covers.

 

 

TRAVEL INSURANCE
They have also developed and launched products for owners of Touring Caravans and Motorhomes both of which give market leading levels of cover at very competitive premiums.
Finally, and new for 2022, Compass is excited to be announcing the launch of its travel insurance product for customers who book breaks on Holiday Parks in the UK.
This product has been developed specifically to meet the growing demand for UK holidays and gives the customer a wide range of cover including cancellation, curtailment and emergency assistance and also includes cover for Covid19 related illness or restrictions.

Caravan Guard (Leisuredays)
Tel. 01422 396 693
Email. park-operator@leisuredays.co.uk
www.leisuredays.co.uk

Compass Insurance
Tel. 0344 274 3908
Email. enquiries@compass.co.uk
www.compassparks.co.uk

Pib Group (Park Protect)
Tel. 01422 358 525
Email. hello@pib-insurance.com
www.pib-insurance.com