Leisuredays caravan insurance review

We’ve checked out the caravan cover offered by Leisuredays. Its static caravan insurance policy is 5-star Defaqto-rated. Here are the other features of its cover.

If you’re the owner of a static caravan, you’ll want to protect it. Leisuredays provides cover for fire, theft, storm and flood damage as well as accidental damage. And if a caravan is completely damaged, emergency repairs, debris removal and re-siting will also be automatically covered.

Leisuredays static caravan insurance

Leisuredays caravan insurance

  • Rated 5 stars for cover by researchers at Defaqto
  • 24-hour, UK-based claims helpline
  • New-for-old option
  • Public liability up to £5 million

Who is Leisuredays?

Leisuredays is a specialist insurance provider offering static caravan, lodge, chalet, park home and holiday home insurance. Its static caravan cover is 5-star Defaqto-rated.

Leisuredays says it works with some of the UK’s leading holidays parks and has been operating for more than 30 years.

Leisuredays is a trading name of Caravan Guard Ltd, which offers 5-star Defaqto-rated specialist cover for touring caravans and other motorhomes and campervans.

What is covered under my Leisuredays static caravan policy?

Cover includes the following protection:

  • Public liability up to £5 million
  • Fire, theft, storm and flood damage
  • Accidental damage
  • Debris removal, re-siting and emergency repairs up to £10,000
  • Fixtures and fittings
  • Keys and locks up to £500
  • Emergency accommodation costs up to £75 a day for 15 days
  • Emergency services damage up to £1,000
  • Ground rent cover up to £2,500
  • Fatal accident benefit up to £25,000
  • Special occasions cover (with £2,500 contents cover increase around birthdays, weddings or religious festivals)

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Leisuredays offers extras you can bolt onto your static caravan policy, including:

  • Legal expenses cover up to £100,000
  • Gadget and leisure cover
  • Home emergency cover
  • Enhanced legal expenses cover
  • Hiring out and loss of earnings cover
  • Emergency accommodation costs up to 30 days for £100
  • Liability cover for damage a family member causes
  • New-for-old cover

Compare caravan insurance

Updated October 15th, 2019
Name Product Available Cover Offer Details
Accidental damage, new for old, emergency accommodation, European cover
Up to 20% off no claims, Caravan Club & security discounts
Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
Accidental damage, new for old, emergency accommodation costs, special occasions
Up to 20% off no claims, Caravan Club & security discounts
Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
Accidental damage, internal & external contents, new for old
Underwritten by Royal & Sun Alliance insurance PLC (RSA)
Accidental damage while towing, new for old, theft or attempted theft, public liability
Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd
Accidental damage, new for old, theft public liability
Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd

Compare up to 4 providers

General exclusions

Leisuredays has some general exclusions that apply:

  • When your caravan is being used for a purpose not included under your policy
  • General wear and tear
  • Rust, corrosion rot or any gradual deterioration
  • Mechanical faults
  • Existing and deliberate damage
  • When your static caravan is not properly anchored down at all four corners or if the skirting doesn’t go all the way around the base

Check your policy for further details to confirm your cover is valid.

How to save on your caravan insurance policy with Leisuredays

  • Increase security. Fitting security alarms or cameras could be a good way to deter thieves.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Join a club. It’s worth checking whether you can get a discount by joining a national or regional caravan owners’ club.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.

With Leisuredays static caravan insurance, there is a minimum excess of £75, which could be increased in order to reduce the premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Leisuredays?

You can call the Leisuredays claims line on 01422 501 085 to make a claim. This 24-hour claims line is open seven days a week.

You’ll need to have your insurance policy details as well as all facts about any incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

Frequently asked questions

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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