THE SUNNY SIDE UP

With more holiday parks embracing photovoltaic (PV) solar panel systems to cut energy bills and lower their carbon footprint, protecting that investment is more important than ever.
While solar energy can provide long-term savings and environmental benefits, it also introduces new risks that require careful insurance planning.

COVER FOR PROPERTY DAMAGE
PV systems are vulnerable to damage from weather events, vandalism, and accidental impacts.
Parks should speak with their insurer to confirm that their existing property policy includes cover for storm damage (including hail and high winds), fire, electrical faults, theft, vandalism, and accidental damage from incidents like falling branches or vehicle collisions.

MITIGATING BUSINESS INTERRUPTION
For parks that rely heavily on solar power, a damaged system can impact operations.
Business interruption insurance can protect against loss of income while repairs are underway, helping to minimise disruption to guests and maintain cash flow.

LIABILITY AND COMPLIANCE
Public liability insurance is crucial for protecting against claims arising from solar panel-related injuries or property damage—such as falling panels or electrical fires from faulty installations.
It’s also essential to work with an MCS (Microgeneration Certification Scheme) certified installer who carries appropriate liability cover. This helps ensure installations meet strict safety and compliance standards.

BEVERLEY HOLIDAYS CARAVAN PARK, nestled in the English Riviera, unveils the brand-new Solar Signature Eco and leads the way in eco-tourism

SECURITY AND THEFT PREVENTION
Because solar panels can be attractive to thieves, insurance should include theft protection. Parks can reduce risk by installing CCTV and motion-sensor lighting.

ENVIRONMENTAL AND FIRE HAZARDS
PV solar systems include materials—like lithium-ion batteries—that may be hazardous if damaged. Pollution liability insurance offers added protection against environmental claims.
Fire risks can also arise due to moisture ingress, dirt buildup, or substandard components. The Fire Protection Association (FPA) recommends using non-combustible roof surfaces, appropriate fire-rated materials, and ensuring inverters are installed in safe, ventilated areas.

TOP TIPS FROM PIB INSURANCE
• Choose MCS-certified installers for design, installation, and maintenance
• Consult your local fire service to flag any firefighting challenges
• Fit fire switches that isolate both AC and DC sides of the system
• Keep inverters at least two metres from combustible materials Even in low light, solar panels can generate current—posing risks during emergency response.

Understanding the hazards and putting the right insurance and safety measures in place can ensure parks reap the rewards of solar power without the pitfalls.

PIB Insurance
0330 058 9863
Dave.Moffat@pib-insurance.com

SAFETY MELTING POT

SAFETY MELTING POT

Take a strategic site safety approach urges Ramtech's Tom Ambler...

WINTER AND SPRING are the ideal times to review a site and prepare it for the busier seasons.

 

Fire constitutes one of the biggest risks to the total loss of a park home, and with many sites often at lower capacity or closed during off-season, upgrading site safety and efficiency should be a top priority for site managers. Recent fire reports provide a stark warning to site owners, including how fire crews battled a large blaze at a Dorset holiday park, showcasing the chaos that fire can wreak.

Fortunately, no more than property damage was the outcome on this occasion but investing in the appropriate safety measures ahead of time, can help to reduce fire risk and help to stop a blaze quickly with the right detection in place. Preparing a site in advance of opening, by checking that the current fire safety system is working, is advisable. Any faulty wiring or machinery - particularly relating to power generators for homes or common buildings - as well as the threat of arson and vandalism should be front of mind all year around.

 

RAMTECH’S WES3 places the power in site owners’ hands

 

SHOW COMPLIANCE
Currently, holiday park site owners have a legal obligation to manage fire safety under the Regulatory Reform (Fire Safety) Order 2005 (“the FSO”). The act applies to all non-domestic premises including certain types of parks, such as those with common areas in leisure complexes, restaurants and guest houses. With park residents often mingling in these types of campsite community buildings, the threat to human life is very real.

Just a few years ago, there was an incident at a leisure facility on a campsite near Newquay, which resulted in extensive damage to several communal buildings including a swimming pool, sauna and gym. So, not only is protecting against fire a requirement under the FSO, it is also vitally important to avoid the financial implications, which can be huge.

 

A fire forces site owners into a massive rebuild operation, potentially putting them out of action for a season for more. A system, like Ramtech’s WES3, places the power in site owners’ hands. It’s an EN54-25 compliant connected device, that can be deployed at various points across holiday parks on stands.

It acts as an emergency response system, with automatic smoke and heat detectors responding to site incidents and maintaining 24/7 coverage through the CONNECT unit, otherwise known as the brains of the system. The WES3 is also IP55 rated, which means they are suitable for outdoor areas and won’t be affected by varying weather conditions. What’s more, the CONNECT system ensures off-site notifications can also be enabled, informing site owners and even alerting emergency authorities.

 

RECENT FIRE REPORTS provide a stark warning to site owners.

 

ROBUST FEATURES
While sites must ensure that fire safety is robust, other park management features that support the efficient and daily running of the park, are also welcome. This is where technology has evolved to help answer these added value requirements at the same time as emergency response needs. WiSE, for instance, is a reliable business information and monitoring platform providing real time alerts, data and information about security coverage. For holiday park operators, WiSE can also extend your existing security and fire system coverage, reducing the complexity and cost of enhancing your risk management systems.

The WiSE wireless security solution gives you peace of mind that your holiday park business and on- park properties are being securely monitored 24/7. Powered by long-life batteries and connected to a reliable radio technology, the system allows thousands of devices to be linked to a central base station that creates an instant alert via email, text or pager. WiSE is not dependent on SIM or WiFi to function, which is great for sites with little or no data or internet coverage.

 

WISE CAN ALSO EXTEND your existing security and fire system coverage.

 

Winter and spring are the ideal times to review a site and prepare it for the busier Easter and summer period. This should vitally include fire safety standards - as once peak season arrives, and the warmer weather attracts more visitors, the heat, coupled with popular campsite activities such as fires and barbecues, can be a real melting pot in terms of park accidents.

For more information on how Ramtech’s solutions can help protect holiday park sites, visit www.ramtechglobal.com

Stop Thief!

thief

Holiday parks can safeguard sites and visitors with a wide range of deterrents, as Ashleigh Mackenzie reports…

Crime is at an all-time low, according to the latest findings from the Crime Survey for England and Wales (CSEW).

Reported offences were down by seven per cent compared to 2014 and continues the long term downward trend seen since the mid-1990s; the lowest estimate since the survey began in 1981.

Holiday parks possess a wide range of attractive options to deter prospective thieves. While complete protection from such occurrences can never be guaranteed, there are a number of measures and precautions that holiday park operators can implement to safeguard their parks and their guests.

“One of the biggest security issues facing holiday parks is theft of contents from holiday caravans and business property, particularly in the closed season,” reveals Gareth Walker, head of Leisuredays Development.

“Monitoring comings and goings is a big issue for park owners, as by their very nature holiday parks have people coming in an out all the time, sometimes making it difficult to distinguish holiday makers from those intent on committing crime.”

Ideally, a holiday park should be surrounded by a perimeter fence, wall or hedge and only accessible through one entrance. This immediately limits access to the park for non-residents and potential opportunist criminals.

 

PRO-ACTIVE APPROACH

Many holiday parks will have a store of agricultural equipment and often vehicles for maintenance use around the premises. These can range in value but hold an appeal to criminals as items that are easily sellable. It is important for site owners to protect these items by storing them correctly and securely in locked buildings or compounds, with keys removed and stored in a safe place.

“Parks themselves can be more pro-active by being more vigilant and documenting registration numbers from suspicious vehicles that come onto the park, or by installing a security system that passes information onto them. This will allow resources to be sent quickly if an incident occurs,” comments Roy Williams of security provider Crosby Intruder Alarms.

“Parks may also want to consider an alarm system. This could be a standalone system that makes a noise if someone breaks into one of the properties, but a better option is to install an intruder alarm that can be monitored, logged and recorded on a mobile device by the park management or security team.” Crosby Intruder Alarms’ wireless systems not only comply with all current European and British Standards, but also meet the security requirements of many insurance companies.

As well as covering access points, the systems monitor the mains supply and notify the park owner if the mains goes off and when it is re-instated - a valuable tool for park home owners in particular. Furthermore, the system can protect from Carbon Monoxide poisoning from gas powered heaters and boilers and alert you of fire with the installation of smoke or heat detectors. All of this is controlled from the premises or remotely via an App.

COMBAT VANDALISM
It can be a tricky balancing act for park owners to protect their customers but also not create a heavily controlled environment. Pic:Leisuredays.

It can be a tricky balancing act for park owners to protect their customers but also not create a heavily controlled environment. Pic:Leisuredays.

Many caravan and holiday home parks suffer from some form of vandalism from time to time. Installing Closed Circuit Television (CCTV) can help to combat this problem. There is some very high quality CCTV equipment these days that doesn’t cost the earth that can provide clear images in both day and night situations.

“Good quality CCTV is imperative, if an incident goes to court and evidence from the CCTV system is required,” says Roy.

“In general, most parks should consider an alarm system that each caravan or lodge signals back to, a CCTV system to monitor entrances and exits to the park as well as other vulnerable areas and access control via a barrier system and cards to high risk areas. Our Crosby Intruder Alarms CCTV systems can be record in high definition on site and can also be controlled via an App on your mobile phone.”

Roy continues: “When considering security, the main pitfalls to watch out for are cheap systems, if it looks too good to be true, it probably is. Other problems include systems installed by unqualified, non-approved installation companies.” From an insurance point of view, commercial insurance is a two way street whereby insurers will do all they can to provide a safety net to protect a company’s assets and their ability to trade.

In turn, insurers may provide clients with guidelines to adhere to which they hope will serve to limit the potential for claims.

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