Holiday Lodge Insurance FAQs

Our holiday lodge insurance starts at just £192.36 per year. This includes up to £200,000 buildings cover, £50,000 contents cover, £2 million public liability cover, and accidental damage as standard. Premiums may vary depending on the value, location, and use of your lodge.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority. Our FCA firm reference number is 563348, ensuring full compliance with UK insurance regulations.

We have been providing specialist insurance products since 2011, trusted by thousands of UK customers.

Insurance isn’t a legal requirement, but it is highly recommended—and often required by park operators—to protect your investment from risks such as fire, storm, theft, vandalism, and liability claims.

Our standard policy includes up to £200,000 buildings insurance, £50,000 contents insurance, accidental damage, and £2 million public liability. Optional add-ons may be available depending on your needs.

Yes. Our policies include £2 million of public liability cover to protect you if someone is injured or their property is damaged in connection with your lodge.

Our standard excess is £75 per claim. Full terms are outlined in your policy documents.

Yes. Our contents insurance covers up to £50,000 for personal belongings, including furniture, appliances, and electronics. Accidental damage and transit protection are included as standard.

Yes. Cover includes accidental loss or damage during transit within the UK, such as when your lodge is moved to a different site or pitch.

We currently offer annual policies only. Our premium of £192.36 per year is highly competitive with no finance charges.

Yes. Our policy allows for personal use, holiday letting, or mixed use. Just let us know at quote stage.

The policy remains valid during periods of unoccupancy. Some terms may apply, especially during winter—please check your policy wording for details.

Yes. After payment, your certificate and full documents are emailed instantly for your records or to share with park management.

Yes. Contact us to update your usage, address, or site location and we will update your documents accordingly.

Yes, pro-rata refunds are available for unused time if you cancel and haven’t claimed. Terms apply.

Yes. Fixed features like decking, verandas, and sheds can be covered under buildings insurance. Please tell us at quote stage.

Yes. Accidental damage is included for both buildings and contents, covering common incidents like breakages, spillages, and impact.

Yes. Park insurance generally covers communal areas and the operator's liability. You're still responsible for insuring your lodge, its contents, and personal liability.

Typical claims include storm damage to the roof, fire affecting the structure, or vandalism causing damage to doors and windows.

Contents claims may include theft of electronics, flooding damaging soft furnishings, or storm damage to kitchen appliances. Transit cover is also included.

If a guest trips on a loose step or if damage occurs to a neighbouring lodge due to a falling roof tile, public liability insurance can cover legal fees and compensation.

This might include reversing a vehicle into the lodge, drilling into a pipe by accident, or cracking a window during maintenance.

This includes dropping a TV, spilling liquids on a carpet, or accidentally smashing a glass cabinet. All are covered under contents accidental damage.