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Lodge Insurance

Lodge Insurance

Building holiday home protection around you.

Nothing beats a few days away - and if you own a holiday lodge, you'll want to spend as much time as you can at your favourite spot. Like a lot of holiday homeowners, you’ll probably invite your friends and family to enjoy it and you may even rent it to other holidaymakers when you aren’t using it. However you use your holiday lodge, you’ll be well aware of the risks and financial costs that damage or incidents can bring, making the right insurance cover essential.

What kind of lodges do you cover?

Whatever style of holiday lodge you own, we can provide specialist insurance designed to suit you. From prefabricated structures manufactured off-site, to wooden lodges built to specification at the holiday park, your holiday lodge is in safe hands with us. As long as your lodge is not your main UK residence and is only used as a holiday home, you can benefit from being insured with us. You can pick and choose your own cover, meaning that you only ever pay for what you need, and our simple online quote and buy process means you can be insured in minutes, with no lengthy and complicated forms to complete. Our insurance is underpinned by the Ripe Guarantee, which provides you with great cover and exceptional service at our best price. Find out more here.

Why do I need insurance for my holiday lodge?

You’ll know better than most that there are risks and potential hazards when you own a holiday lodge. Weather can play a big part, and damage caused by extreme weather is one of the main things you’ll want to protect your property against. Damage caused by vandalism, theft or break-ins can also cause worry and expense. If you live far away and can’t be immediately on-hand to keep your property secure, this will be even more of a concern. Getting any repairs fixed without delay to prevent any further damage is a real benefit of having insurance. Damage that isn't repaired could result in cancelled holidays and lost bookings, causing even more financial strain. As well as protecting you financially, most holiday parks will make insurance a condition of your agreement with them, and you might have to provide proof of insurance each year to remain on site.

What does holiday lodge insurance cover?

Our holiday lodge insurance is flexible and suits a variety of different lodge types, values and requirements. Rather than 'packaging' holiday lodge insurance, we make it easy to create your own policy. We provide several options for holiday lodge insurance so you can add what you need to create a bespoke policy. At the very least, you'll want to include cover for the building itself. This will cover the property against damage caused by fire, flood, extreme weather and theft or vandalism.

Our holiday lodge insurance provides cover for the building itself up to £500,000 in value. Also included is Underground Services (£1,500) and Debris Removal (up to £10,000). You can also add Contents Cover (up to £30,000) which includes Loss of Frozen Food (up to £750) and Theft of Money (up to £250). 

Public Liability insurance up to £2m is also included to cover you against the risk of claims for injury to another person, or damage to their property. 

We also offer a variety of additional cover options which you may wish to consider. These include Personal Possessions and Sports Equipment (up to £2,000), Legal Expenses (up to £25,000), Rental Cover and Loss of Rent, Temporary Accommodation and No Claims Protection. You can also choose to upgrade your Public Liability cover to £3 million or £5 million. Find out more about Our Cover.

How much is holiday lodge insurance?

We calculate the price of your insurance policy based on a number of factors. We look at the type of property, the property value, it's location and the levels of cover you choose. At Ripe, our mission is to give you best cover with exceptional service at the right price, all underpinned by our Ripe Guarantee. You can pick and choose your own cover so you only ever pay for what you need, plus with our simple online quote and buy process you can be covered in minutes. Sounds good doesn’t it?

Lodges, cabins and chalets FAQs

Any questions?

Want to find out a bit more about the cover we offer? Check the cover page or read the FAQs.

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