Holiday Park Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Comprehensive holiday park insurance for UK park operators – protect your caravans, lodges, touring pitches, facilities and income with tailored cover from Insure24.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading insurers

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

HOLIDAY PARK INSURANCE THAT LETS YOU RELAX

Specialist cover for UK holiday parks

From static caravans and lodges to touring pitches, entertainment venues and leisure facilities, we arrange tailored holiday park insurance so you can focus on giving guests a memorable stay.

What Our Holiday Park Insurance Can Cover

Every holiday park is different. We work with you to build cover around your accommodation mix, facilities, layout and guest profile.

  • Static caravans, lodges and park-owned holiday homes.
  • Touring caravan and motorhome pitches.
  • Park buildings – reception, bars, restaurants and shops.
  • Leisure facilities – pools, gyms, clubs and play areas.
  • Infrastructure – roads, paths, fencing, lighting and utilities.
  • Contents, fixtures, fittings and park equipment.
  • Public liability – cover for guest and visitor injury or property damage claims.
  • Employers’ liability – for staff working across your park.
  • Business interruption – lost income if you cannot trade after insured damage.
  • Loss of rent and hire-fleet income for park-owned units.
  • Money on site or in transit (subject to policy limits).
  • Legal expenses for certain disputes and contract issues.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Common Risks for Holiday Parks

  • Storm, flood and fire damage to caravans, lodges and buildings.
  • Water damage from burst pipes, leaks or drainage issues.
  • Theft, vandalism or malicious damage to park property.
  • Equipment breakdown affecting key facilities.
  • Loss of income after major damage affecting accommodation or leisure areas.
  • Guest injuries in pools, play areas or around the park.
  • Food and drink-related incidents in bars and restaurants.
  • Slips, trips and falls on paths, steps and uneven ground.
  • Liability issues arising from entertainment and organised activities.
  • Claims relating to gas, electrical and carbon monoxide safety.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Why Holiday Park Operators Choose Insure24

  • Experience with holiday parks of all sizes, from independent parks to groups.
  • Access to specialist UK insurers that understand the holiday park sector.
  • Tailored cover for your specific mix of accommodation and facilities.
  • Hands-on support from a UK-based team.
  • Clear explanations of what is – and is not – covered.
  • Competitive premiums by comparing multiple insurers.
  • Support with risk management to help reduce claims.
  • Dedicated claims support when you need it most.
  • Flexible sums insured and limits that grow with your park.
  • Help with mid-term changes, extensions and renewals.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How to Arrange Holiday Park Insurance

  • 1. Get in touch – call our team or submit an enquiry.
  • 2. Tell us about your park – units, pitches, facilities and turnover.
  • 3. Share details of any existing insurance and claims history.
  • 4. We approach specialist insurers for quotations.
  • 5. We present options, highlighting cover, limits and key differences.
  • 6. You choose the solution that best fits your park and budget.
  • 7. We arrange cover and issue your documents promptly.
  • 8. Ongoing support for changes, renewals and claims.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Holiday Park Insurance for Different Park Types

We arrange cover for a wide spectrum of UK holiday parks – from coastal resorts to countryside retreats.

Static Caravan & Lodge Parks

  • Parks with owner-occupied and sublet static caravans.
  • High-value lodges and premium holiday homes.
  • Cover for units, facilities and infrastructure.
  • Loss of rent and hire-fleet income protection.
  • Options for mixed holiday and residential use.

Mixed Holiday Parks

  • Parks with static caravans, lodges, touring pitches and camping.
  • Complex layouts with multiple accommodation types.
  • Shared facilities such as pools, restaurants and entertainment.
  • Policies tailored to mixed risk profiles.
  • Suitable for growing multi-use holiday parks.

Holiday Resorts & Large Parks

  • Larger holiday parks with extensive leisure facilities.
  • Complex operations with higher guest capacities.
  • Comprehensive building, liability and BI cover.
  • Flexible sums insured for large sites.
  • Options for bespoke risk management support.

Independent & Family-Run Parks

  • Smaller parks looking for clear, practical cover.
  • Tailored policies that can grow with your business.
  • Help understanding your insurance responsibilities.
  • Straightforward documents and support.
  • Competitive pricing from specialist insurers.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

The Real Cost of Incidents to Holiday Parks

Major incidents can cost far more than just repairs. Effective insurance helps protect your park’s finances and reputation.

Direct Financial Losses

  • Repairing or replacing damaged units and buildings.
  • Making safe damaged areas and debris removal.
  • Compensation and legal costs following liability claims.
  • Replacing damaged contents, fixtures and equipment.
  • Additional costs to keep operations running.

Indirect & Hidden Costs

  • Loss of revenue while units or facilities are closed.
  • Refunds, discounts or alternative accommodation costs.
  • Damage to park reputation and online reviews.
  • Management time handling repairs and complaints.
  • Potential impact on future bookings and season performance.

Protecting Your Park’s Future

With appropriate holiday park insurance in place, you have financial backing to rebuild, repair and recover – rather than facing the full cost alone.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Assess Your Holiday Park Risk

We look at how your park operates to help ensure your insurance reflects your true risk profile.

Park Features We Consider

  • Number and type of static units, lodges and touring pitches.
  • Range of leisure facilities and entertainment venues.
  • Location and exposure to storms, coastal winds or flooding.
  • Site layout, access routes and spacing of units.
  • Security measures and off-season arrangements.

Operational Risk Factors

  • Length of season and peak occupancy periods.
  • Maintenance schedules and inspection routines.
  • Health and safety procedures for guests and staff.
  • Gas, electrical and pool safety management.
  • Claims history and previous incidents.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How Insurance Has Helped Holiday Parks

Case Study: Fire in a Holiday Park Complex

Situation: A fire started in a park clubhouse and spread to adjacent facilities.

Impact: The venue and nearby amenities were severely damaged, forcing closure at peak season.

Resolution: Buildings and business interruption cover helped fund repairs and replace lost income, allowing the park to reopen facilities as quickly as possible.

Case Study: Pool-Related Injury Claim

Situation: A guest slipped near the swimming pool and suffered a significant injury.

Impact: A compensation claim was made against the park owner.

Resolution: Public liability insurance arranged by Insure24 covered legal defence and settlement costs, protecting the park’s finances.

Case Study: Storm Damage to Lodges

Situation: Severe storms caused structural damage to several lodges and disrupted power supplies.

Impact: Guests were relocated and bookings had to be cancelled.

Resolution: Property and business interruption cover provided funds to repair units and replace lost income, helping the park maintain cash flow.

Case Study: Flooded Touring and Camping Area

Situation: Heavy rain caused flooding in a low-lying area of the park used for touring and camping.

Impact: The area was closed while groundworks and drainage improvements were carried out.

Resolution: Insurance helped cover restoration costs and contributed towards lost revenue during the closure.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Risk Management Best Practices for Holiday Parks

Good risk management helps protect guests and staff – and can support more competitive premiums.

Site & Infrastructure Controls

  • Maintain safe, well-lit paths, steps and access routes.
  • Implement regular inspection and maintenance of play areas.
  • Ensure pools and leisure facilities follow relevant safety guidance.
  • Review drainage and flood resilience where necessary.
  • Check fencing, barriers and signage around higher-risk areas.

Operational & Safety Procedures

  • Provide clear safety information and park rules to guests.
  • Train staff on emergency procedures and incident reporting.
  • Keep records of maintenance, cleaning and inspections.
  • Regularly review fire safety, gas safety and electrical testing.
  • Review your insurance cover whenever your park changes or expands.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Holiday Park Insurance Coverage Options

Flexible cover options for single parks and multi-park groups.

Core Holiday Park Package

Ideal for: Smaller or simpler holiday parks.

  • Buildings and contents cover for park assets.
  • Public and employers’ liability.
  • Basic business interruption cover.
  • Cover for park-owned static units and lodges.
  • Money and selected equipment cover.

Enhanced Holiday Park Package

Ideal for: Larger parks with extensive facilities.

  • Higher limits for buildings, units and contents.
  • Extended business interruption and increased indemnity periods.
  • Cover for entertainment venues, pools and sports facilities.
  • Higher liability limits.
  • Optional management liability and legal expenses.

Multi-Park & Group Solutions

Ideal for: Operators running multiple holiday parks.

  • Combined cover across several locations.
  • Centralised administration and renewal dates.
  • Flexible sums insured spread across the portfolio.
  • Potential group-rated and programme-based terms.

Optional Add-Ons

  • Engineering inspection and breakdown cover.
  • Cyber insurance for booking and payment systems.
  • Directors’ and officers’ liability.
  • Goods in transit for stock and equipment.
  • Additional tailored extensions for your park.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW
Quote icon

Insure24 helped us consolidate our holiday park insurance into one comprehensive programme. The team understands the sector and provided excellent support when we had to claim.

David K., Holiday Park Operator

UNIQUE INSURANCE
TAILORED FOR YOUR HOLIDAY PARK 

PROTECT YOUR HOLIDAY PARK

  • Repair and replacement costs for damaged units and facilities.
  • Protection for your bars, restaurants, shops and leisure areas.
  • Cover for loss of net profit following insured interruptions.
  • Liability cover for guests, visitors and third parties.
  • Protection for staff and on-site workers.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Compliance & Regulations for Holiday Parks

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

  • Local authority site licences and planning requirements.
  • Health and Safety Executive (HSE) guidance for holiday parks.
  • Gas safety, electrical safety and carbon monoxide regulations.
  • Fire safety, evacuation planning and spacing requirements.
  • Occupiers’ liability and responsibilities to guests and visitors.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

FREQUENTLY ASKED QUESTIONS

+-

What is holiday park insurance?

Holiday park insurance is a specialist policy designed for parks offering static caravans, lodges, touring pitches and other holiday accommodation. It can cover buildings, units, facilities, liabilities and loss of income following insured events.

+-

Who needs holiday park insurance?

Any business operating a holiday park in the UK – whether independent or part of a group – should consider specialist holiday park insurance to protect assets, guests and income.

+-

What does holiday park insurance usually cover?

Typical cover includes buildings, static units and lodges, contents, public and employers’ liability, business interruption, money and optional extras such as legal expenses or management liability, depending on the policy selected.

+-

Are individually owned static caravans covered under the park policy?

Many owners arrange their own insurance. However, some park policies can extend to cover units owned or let by the park, or where the park has a financial interest. We will discuss your specific set-up and advise accordingly.

+-

Does holiday park insurance cover loss of income?

Business interruption cover can protect your income if you are unable to trade due to insured damage, such as fire, flood or storm. We’ll help you choose an indemnity period and limit appropriate for your park.

+-

Is storm and flood cover included?

Storm is usually a standard insured peril and flood is commonly included, although may be restricted in high-risk locations. We will highlight any limitations as part of your quotation.

+-

What information do you need to provide a quote?

We usually ask for details such as the number and type of units, buildings and facilities, sums insured, turnover, wage roll, claims history, location and any higher-risk activities or features.

+-

How much does holiday park insurance cost?

Premiums depend on factors such as park size, facilities, sums insured, claims history and location. We compare terms from specialist insurers to find competitive options tailored to your risk.

+-

Can you review my current holiday park insurance?

Yes. We can review your existing policy schedule and wording, highlight any potential gaps or overlaps, and provide alternative quotations when you are next due to renew.

+-

How do I make a claim on my holiday park policy?

If you suffer an incident, contact Insure24 as soon as possible. We’ll notify your insurer, explain the process, and support you with documentation, loss adjuster visits and settlement discussions where required.

+-

Can you insure more than one holiday park under a single programme?

Yes. We can often arrange multi-park insurance for operators with several sites, subject to insurer acceptance. This can help streamline administration and potentially reduce overall costs.

Related Blogs