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 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.
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
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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
*Disclaimer: 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.
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