Lodge Park Insurance / Holiday Lodge Insurance

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Specialist lodge park insurance for UK holiday lodge resorts and premium parks – protect your high-value lodges, luxury facilities, guests and income with tailored cover from Insure24.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

HOLIDAY LODGE INSURANCE THAT LETS YOU RELAX

Specialist cover for lodge parks & luxury holiday resorts

Timber lodges, glass frontages, hot tubs and premium interiors demand the right protection. We arrange lodge park insurance that reflects the true value of your assets and the expectations of your guests.

What Our Lodge Park Insurance / Holiday Lodge Insurance Can Cover

Lodge parks can involve high sums insured, luxury finishes and demanding guests. We’ll help build a policy around your lodges, facilities and income streams.

  • Park-owned holiday lodges – timber, glass-front and premium units.
  • Let / hire-fleet lodges and managed lodge stock.
  • Buildings – reception, bars, restaurants and spa facilities.
  • Infrastructure – decking, hot tubs, paths, lighting and services.
  • Contents – high-end furniture, fixtures, fittings and appliances.
  • Money on site and in transit (subject to policy limits).
  • Public liability – guest injuries or damage to third-party property.
  • Employers’ liability – for staff, cleaners and maintenance teams.
  • Loss of rent / hire income from unoccupied lodges after insured damage.
  • Business interruption – loss of profit if parts of the park are closed.
  • Legal expenses – support with certain disputes and claims.
  • Optional management liability for directors and officers.
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Common Risks for Lodge Parks & Holiday Lodge Resorts

  • Fire damage to timber lodges and adjoining decking.
  • Escape of water from luxury bathrooms, hot tubs and wet rooms.
  • Storm and flood damage to lodges and park infrastructure.
  • Theft of contents, high-end appliances or external equipment.
  • Vandalism and malicious damage, especially in off-peak periods.
  • Guest injuries on decking, steps or hot tub areas.
  • Slips, trips and falls in wet or poorly lit areas.
  • Issues relating to gas, electrical and carbon monoxide safety.
  • Loss of rent and bookings if lodges must be closed after damage.
  • Reputational impact and negative reviews following incidents.
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Why Lodge Park Owners Choose Insure24

  • Experience with high-value lodge parks and luxury resorts.
  • Access to specialist insurers who understand lodge construction and finishes.
  • Tailored Lodge Park Insurance and Holiday Lodge Insurance solutions.
  • Support to set realistic sums insured for lodges and park assets.
  • Clear explanations of cover, excesses and key conditions.
  • Competitive premiums by comparing multiple insurers.
  • Guidance on risk management for premium facilities.
  • Dedicated claims assistance when things go wrong.
  • Policies that can grow as you add more lodges or facilities.
  • UK-based team focused on commercial leisure risks.
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How to Arrange Lodge Park Insurance

  • 1. Speak to our team – call us or submit an online enquiry.
  • 2. Tell us about your lodge park – number and type of lodges, facilities and turnover.
  • 3. Share your current insurance details and claims history.
  • 4. We approach insurers experienced in lodge and holiday park risks.
  • 5. We present clear comparisons of cover and price.
  • 6. You select the Lodge Park Insurance solution that fits your needs.
  • 7. We arrange cover and issue documentation promptly.
  • 8. Ongoing support for changes, renewals and claims handling.
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Lodge Park Insurance for Different Park Types

We work with a wide range of lodge parks, from boutique luxury sites to large lodge resorts.

Luxury Lodge Resorts

  • High-end holiday lodges with premium interiors.
  • On-site restaurants, spas and leisure facilities.
  • Higher guest expectations and service levels.
  • Need for robust property, liability and income protection.
  • Options for extended business interruption periods.

Boutique Lodge Parks

  • Smaller, design-led lodge developments.
  • Unique layouts and bespoke structures.
  • Tailored cover for individually designed units.
  • Focus on guest experience and aesthetics.
  • Flexible sums insured for different lodge types.

Mixed Lodge & Caravan Parks

  • Parks with a blend of lodges and static caravans.
  • Shared facilities across multiple accommodation types.
  • Policies structured to reflect different unit values.
  • Public liability across all guest and owner groups.
  • Scope to add touring or camping areas if required.

Residential & Part-Residential Lodges

  • Lodge developments with permanent or long-stay residents.
  • Additional regulatory and liability considerations.
  • Cover for infrastructure and essential services.
  • Policies reflecting mixed holiday and residential use.
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The Real Cost of Incidents to Lodge Parks

With high-value lodges, even a single major incident can be expensive. Insurance helps protect both your assets and your income.

Direct Financial Losses

  • Rebuilding or repairing damaged lodges and buildings.
  • Replacing luxury interiors, fixtures and equipment.
  • Debris removal and making-safe costs.
  • Compensation and legal expenses following liability claims.
  • Costs of temporary measures to keep trading.

Indirect & Hidden Costs

  • Loss of rent or hire income while lodges are unavailable.
  • Lost bookings and reduced occupancy in future seasons.
  • Reputational impact and negative online reviews.
  • Time spent dealing with contractors, guests and complaints.
  • Potential increase in future operating costs.

Protecting Your Lodge Park’s Future

Appropriate Holiday Lodge Insurance means you have financial support in place to repair damage, replace lodges and stabilise your income after a major event.

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Assess Your Lodge Park Risk

Understanding your lodge park’s unique risk profile helps ensure your insurance is accurate and responsive.

Park & Lodge Features We Consider

  • Construction and specification of lodges (e.g. timber, glass, roofing).
  • Number of lodges and total sums insured.
  • Site layout, spacing and proximity between units.
  • Presence of hot tubs, balconies and large decking areas.
  • Location, including coastal or wooded settings.

Operational Risk Factors

  • Season length, occupancy and rental model.
  • Cleaning, maintenance and inspection regimes.
  • Security and access control for the park.
  • Gas, electrical and water safety procedures.
  • Claims history and incident reports.
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How Insurance Has Helped Lodge Parks

Case Study: Fire in a Premium Lodge

Situation: A fire started in the kitchen of a high-end holiday lodge.

Impact: The lodge suffered major damage and could not be let for the season.

Resolution: Lodge Park Insurance arranged through Insure24 covered rebuilding costs and loss of rent while the lodge was out of use.

Case Study: Escape of Water in Multiple Lodges

Situation: Frozen pipes burst in several lodges during a cold snap.

Impact: Significant water damage to floors, bathrooms and kitchens, with upcoming bookings disrupted.

Resolution: Property and business interruption cover helped fund repairs and replace lost income from cancelled stays.

Case Study: Theft from Lodges

Situation: During a quieter period, several lodges were broken into and items stolen.

Impact: Loss of high-value TVs, furnishings and appliances, plus increased security costs.

Resolution: Contents insurance paid for replacements, and the park upgraded security with guidance from Insure24 and the insurer.

Case Study: Guest Injury on Wet Decking

Situation: A guest slipped on wet decking outside a lodge and suffered an injury.

Impact: A liability claim was brought against the park operator.

Resolution: Public liability insurance responded to legal and compensation costs, helping protect the park’s finances.

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Risk Management Best Practices for Lodge Parks

Strong risk management safeguards guests and assets – and can support more attractive Lodge Park Insurance terms.

Site & Infrastructure Controls

  • Maintain non-slip finishes and handrails on decking and steps.
  • Ensure adequate lighting on paths and around lodges.
  • Manage vegetation and trees to reduce fire and storm risks.
  • Keep hot tubs, external electrics and fuel stores in good order.
  • Review site drainage and flood resilience where relevant.

Operational & Safety Procedures

  • Provide clear lodge user guides, including hot tub and appliance safety.
  • Keep records of cleaning, maintenance and safety checks.
  • Schedule regular gas, electrical and water system inspections.
  • Train staff on incident reporting and emergency procedures.
  • Review your Holiday Lodge Insurance as your park expands or changes.
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Lodge Park Insurance Coverage Options

Flexible cover for different lodge park models, from smaller boutique sites to large-scale resorts.

Core Lodge Park Package

Ideal for: Smaller lodge parks or developments.

  • Buildings and contents cover for lodges and central facilities.
  • Public and employers’ liability.
  • Basic business interruption cover.
  • Cover for park-owned lodges and key equipment.

Enhanced Lodge Resort Package

Ideal for: Larger, luxury lodge resorts.

  • Higher limits for lodges, facilities and contents.
  • Extended business interruption and loss of rent cover.
  • Cover for spas, pools, gyms and premium amenities.
  • Higher public liability limits and options for management liability.

Multi-Site & Group Programmes

Ideal for: Operators running multiple lodge or mixed parks.

  • Combined cover for several parks under one programme.
  • Aligned renewal dates and documentation.
  • Flexible sums insured across your portfolio.
  • Potentially more competitive group-rated terms.

Optional Add-ons

  • Engineering inspection and breakdown cover.
  • Cyber insurance for online booking and payment systems.
  • Directors’ and officers’ liability.
  • Goods in transit for furnishings and equipment.
  • Additional bespoke covers tailored to your lodge park.
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Insure24 helped us insure a growing portfolio of luxury lodges with clarity and attention to detail. Their support during a major water damage claim was invaluable.

Sarah L., Lodge Park Operator

UNIQUE INSURANCE
TAILORED FOR YOUR LODGE PARK 

PROTECT YOUR LODGE INVESTMENT

  • The cost of rebuilding or repairing damaged lodges and facilities.
  • The value of your high-end interiors, fixtures and equipment.
  • Your net profit and rental income if you can’t trade after an insured event.
  • Compensation and legal costs if guests or visitors suffer injury or damage.
  • Cover for employees and contractors working on site.
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Compliance & Regulations for Lodge Parks

We can help ensure your insurance supports your responsibilities as a lodge park operator.

  • Local authority planning and park licence conditions.
  • Health and Safety Executive (HSE) guidance on leisure and accommodation.
  • Gas safety, electrical safety and water system regulations.
  • Fire safety and evacuation planning for lodge developments.
  • Occupiers’ liability and responsibilities towards guests and visitors.
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FREQUENTLY ASKED QUESTIONS

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What is Lodge Park Insurance / Holiday Lodge Insurance?

Lodge Park Insurance or Holiday Lodge Insurance is a specialist policy designed for parks with holiday lodges. It can cover lodges, park buildings, contents, liability to guests and staff, and loss of rent or income following insured damage.

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Who needs Holiday Lodge Insurance?

Any park or resort operating holiday lodges should consider Holiday Lodge Insurance, including luxury lodge resorts, boutique lodge developments, mixed lodge and caravan parks, and residential lodge parks.

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What does Lodge Park Insurance typically cover?

Cover usually includes lodges and park buildings, contents, public and employers’ liability, loss of rent and business interruption, money, and optional extras such as legal or management liability, subject to the policy you select.

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Are privately owned lodges covered under the park policy?

Many lodge owners arrange their own individual policies. However, Lodge Park Insurance can sometimes extend to cover units the park owns, lets or has a financial interest in. We will review your set-up and advise on the most appropriate arrangement.

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Does Holiday Lodge Insurance cover loss of rent?

Yes, policies can include loss of rent or hire income if lodges cannot be used due to insured damage, such as fire, flood or water escape. We’ll help you select suitable limits and indemnity periods for your park.

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Does insurance cover escape of water from hot tubs and bathrooms?

Escape of water is commonly covered, subject to policy terms and conditions. We’ll highlight how your chosen insurer treats hot tubs, wet rooms and similar features as part of your quote.

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What information do you need for a Lodge Park Insurance quote?

We’ll normally ask for details such as the number and type of lodges, construction and sums insured, facilities on site, turnover and rental income, staff numbers, location and claims history.

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How much does Holiday Lodge Insurance cost?

Premiums depend on factors such as lodge values, park facilities, location, occupancy, and claims experience. We work with multiple specialist insurers to obtain competitive terms for your risk profile.

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Can you review my existing Lodge Park Insurance policy?

Yes. We can review your current schedule and wording to identify potential gaps or overlaps and provide alternative Lodge Park Insurance quotes when you are due to renew.

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How do I make a claim on my Holiday Lodge Insurance policy?

If you experience an incident, contact Insure24 as quickly as possible. We’ll notify your insurer, explain what information is required and support you throughout the claims process.

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Can you insure multiple lodge parks under one programme?

Yes, subject to insurer acceptance we can often arrange multi-park Lodge Park Insurance programmes, helping to simplify administration and potentially achieve more favourable terms.

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