Why should I consider holiday lodge insurance?
You can’t beat the freedom of owning a holiday home, whether you’re enjoying adventure-filled weekends away with family or earning an income when it’s not in use.
But as holiday lodges are more exposed to the elements than bricks and mortar homes, there’s a potential risk of accidents. Taking out specialist holiday lodge insurance could protect your finances in the worst-case scenarios so you can get back to enjoying your breaks.
Say your lodge, cabin, or chalet is damaged during a storm, and you’re unable to get away, or you have to cancel bookings because of the damage. Holiday lodge insurance can cover expensive repair or replacement costs and Loss of Rent.
There’s also the risk your holiday lodge could be broken into or vandalised since most owners spend an average of three to four weeks at their holiday home each year. Through Ripe, theft and damage are covered as standard, so you have peace of mind year-round.
What does holiday lodge insurance cover?
What's covered
- Extensive cover up to £500k
Your building and contents (contents up to a maximum of £60k) are protected against fire, lightning, storm, flood, frost, falling trees, accidental loss or damage, vandalism and malicious damage, and theft.
- New-for-old up to 10 years
Your lodge, cabin or chalet can be covered on a new-for-old basis if it’s less than 10 years old. If it’s older, it can be covered at market value.
- Public Liability
Up to £2m Public Liability cover is included as standard, protecting you against third-party claims. You can upgrade to £3m or £5m if you wish.
- Underground services
Provides cover up to £1,500 for any accidental damage to underground pipes, drains and cables (including their inspection covers) for which you are responsible. Debris removal is covered up to £10k.
What's optional
- Personal possessions
Includes loss or damage to personal possessions such as handbags and sunglasses up to a maximum value of £2k. The maximum amount you can claim per item is £500.
- Rental cover and loss of rent
The maximum amount which can be paid for loss of rent is £200 per week and £800 overall.
- Temporary accommodation
Provides cover for accommodation expenses if an accident deems your lodge uninhabitable.
- No claims protection
You can choose to protect your no-claims discount on your holiday lodge insurance with an additional premium. Even if you need to make a claim, your discount won’t be affected.
- Legal expenses
Provides UK legal expenses cover up to £25k for cases such as sale and purchase disputes, evictions, and property infringement.
- Sports equipment
Sports equipment, including bikes, surfboards and golf clubs, are covered up to a maximum value of £2k. There is a limit of £250 for bicycles, and the maximum per item is £500.
What's not covered
- Wear and tear
Damage that happens gradually, such as wear or tear to your lodge or property, isn’t covered.
- Loss or damage to property left out in the open
The holiday lodge insurance doesn’t cover damage caused by storm, flood or theft to contents or property left in the open.
- Damage caused by moths, vermin or insects
- Damage caused by atmospheric or climatic conditions such as fogging up and condensation
- Damage caused by poor workmanship, design or the use of faulty or unsuitable materials
For more information about what isn’t covered under the terms of this insurance, please read the Ripe holiday lodge insurance booklet.
What kind of lodges do you cover?
We can arrange specialist holiday lodge insurance for whatever style of lodge you own—from prefabricated structures manufactured off-site to wooden lodges built to specification at the holiday park. If your lodge is not your main UK residence and is only used as a holiday home, you can take out a holiday lodge insurance policy.
Plus, you can pick and choose your cover through our simple online quote process, meaning that you only ever pay for what you need.
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How much does holiday lodge insurance cost?
There are a few factors that determine the cost of your holiday lodge insurance, including:
- the age of your lodge
- where your lodge is sited
- the value of your lodge and its contents
- security measurements in place
- your chosen level of cover
- your no claims bonus
You can get an instant online quote today to learn the cost of your insurance.
What age of holiday lodge do you cover?
We can arrange cover for properties that were manufactured in the last 20 years.
Can I insure a holiday lodge that I live in all year round?
At Ripe, the holiday lodge insurance is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in all year round.
If your lodge, cabin, or chalet is your permanent residence, unfortunately, we won’t be able to arrange a policy for you.
However, we do have a separate park home insurance product for those who live on residential sites.
Can my friends and family use my lodge?
Yes—holiday lodge insurance arranged by Ripe covers the person who takes out the policy, their domestic partner, members of their family (or families) who are permanently living with them, and their foster children who live with them.
Friends and family outside this group will not be covered if you allow them to use your lodge unless you have included Rental Cover and Loss of Rent.
Am I covered if I hire out my lodge?
Yes—you can opt for Rental Cover and Loss of Rent to ensure your holiday lodge insurance policy includes this.
Your holiday home will be covered for loss, damage, or theft while being rented out to someone. It will also be covered for any loss of rent you may suffer whilst your lodge is out of use because of the damage.
The maximum amount which can be paid for loss of rent is £200 per week and £800 overall.
What are the minimum security requirements?
You can read our safety and security requirements for holiday lodge insurance here.
Aside from these general conditions and precautions, you could lower your premium by having a professionally installed and maintained security alarm and quality locks.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Lodge Insurance Booklet (PDF 518 KB)