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.
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 rated 5 star by their customers on Trustpilot.
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 Trustpilot rated specialist cover for touring caravans and other motorhomes and campervans.
The static caravan insurance from Leisuredays is underwritten by RSA (Royal & Sun Alliance Insurance Ltd).
Caravan Guard Ltd is authorised and regulated by the Financial Conduct Authority.
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
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
Yes. If you wish, Leisuredays policies can start instantly.
A quote from Leisuredays is valid for three months.
Yes, Leisuredays offers policies that can be paid in full or by monthly direct debit payments.
No. Leisuredays only offers annual static caravan insurance policies.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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