Park Owners Insurance

Holiday Park and Residential Park home insurance.

 

Specialist insurance for Holiday Park and Residential Park Owners. 

At Noble Insurance Brokers, we understand that operating a holiday or residential park comes with a unique set of risks. Whether you manage a boutique glamping site, a sprawling touring park, or a residential home community, your insurance needs to be as diverse as your facilities.

Solutions for your business

We offer specialist business insurance for holiday parks and residential parks. Every park is different so we work with you to understand your business to make recommendations that are specific to your needs. 

Given the seasonal nature of many of our clients' businesses, an incident that impacts high season can have a disproportionate impact on a park's finances. Having the right insurance in place is vital, but so too is having an advisor who understands the urgency of getting critical services up and running as fast as possible.

'No Admin' solutions for your unit owners' insurance

Through our Noble Caravan & Leisure brand, we offer our own range of products specially designed for the differing property types and the needs of their owners. We know that our park owners need to ensure that the units on their sites are properly insured. This usually means you are administering insurance policies, in the past this was fairly simple but increasing regulation is increasing admin workloads - we offer you an opportunity to remove your admin costs whilst still receiving commission.

Liability Risks

This is often the most significant area of exposure due to the high volume of owners, guests, staff, and contractors. Too often insurance discussions are focused on physical assets,  of course this is very important but the potential size of liability claims means ensuring that you are correctly covered is critical to protecting your business.

Public Liability - The most common claims arise from "slips, trips, and falls." Uneven paving, poorly lit walkways, or wet floors in communal shower blocks can lead to expensive injury claims. If your park has a swimming pool, playground, bar, or gym, the risk of claims increases. You could be liable for injuries caused by defective equipment or inadequate supervision (e.g., lack of lifeguards or signage). 

Employers’ Liability - As managing a site involves a significant proportion of manual work, the risks of injury to staff are higher than average. Risks include injuries to groundskeepers using machinery or kitchen staff in on-site cafes. 

Product Liability - This covers any food or goods you supply to customers and covers risks such as food poisoning.

Legionella - Improperly maintained water systems (hot tubs, communal showers) can lead to Legionnaire’s disease outbreaks, leading to significant claims if customers, contractors or staff become ill as a result.

Property & Infrastructure Risks

Due to the diverse nature of structure types and activities on many parks, using a specialist broker who understands the needs of park owners is essential.

Things like utility infrastructure is often overlooked as they are not front of mind when thinking about your insurance e.g damage to underground water pipes or roads, bridges, fences and gates, etc., which can be very expensive to restore following an incident.

We will work with you to review the

Business Interruption Risks

This protects your "bottom line" when you are forced to stop trading. Property can be repaired or replaced but the loss of income that results from being out of action for an extended period could have a major impact on your business. 

Business interruption insurance covers your loss of income following a loss to keep your business going while the property is repaired. When buying this cover it is important to consider how long it takes to rebuild, repair or replace units. For example a major storm may affect multiple sites may restrict the availability of replacement units or specialist repairers. 

Emerging Risks

Cyber Risk - If you take online bookings or store guest data, you are a target for ransomware and data breaches. A system shutdown during peak booking season can be catastrophic. 

Environmental Liability -  Accidental leaks from large heating oil tanks or sewage treatment plants on-site can lead to massive fines and cleanup costs from environmental regulators.

Specialist Car Insurance FAQs

You and any other drivers named on your insurance policy when the policy was taken out will need to self-declare your licence data.

Convictions are no longer recorded on the counterpart driving licence, which became obsolete with effect from 8 June 2015.

You will need your driving licence number, your national insurance number and your postcode. If you are not sure what your driving licence number is, then instructions are provided on the website below.

Open the following link in a new window and follow the instructions below:

https://www.viewdrivingrecord.service.gov.uk/driving-record/licence-number

  1. Enter your licence number, national insurance number and postcode where indicated.
  2. Tick the box and select ‘View now’.
  3. You will now be able to view your driving licence information.
  4. Select ‘Share your licence information’ in the tab, top right.
  5. Click ‘Obtain code’.
  6. You will be provided with a check code.
  7. Send over your check code along with the last 8 characters of your driving licence number to enquiries(at)graham-sykes.co.uk

The licence check code is case sensitive, so it should be copied exactly using capital and lower case letters as provided. You may prefer to copy and paste the code into the form.

The check code is only valid for 21 days.

Specialist vehicle insurance is designed for vehicles that do not fall under the category of standard cars, such as classic cars, modified cars, kit cars, and high-performance sports cars.

Coverage typically includes classic cars, vintage cars, modified cars, kit cars, imported cars, sports cars, campervans, and motorhomes.

When your vehicle is written off, your insurance company pays you the current value of the vehicle, instead of the cost of repairing it.

Your insurance company will decide if the vehicle should be written off or not.

An explanation of the categories of a vehicle write off are listed below:

  • Category A - Cannot be repaired. The entire vehicle has to be crushed.
  • Category B - Cannot be repaired. The body shell has to be crushed, but you can salvage other parts from it.
  • Category C - Can be repaired but would cost more than the vehicles worth. You can use the vehicle again if it is repaired to a roadworthy condition.
  • Category D - Can be repaired and would cost less than the vehicle’s worth, but other costs (such as transporting your vehicle) take it over the vehicle’s value. You can use the vehicle again if it’s repaired to a roadworthy condition.
  • Category N - Can be repaired following non-structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition.
  • Category S - Can be repaired following structural damage. You can use the vehicle again if it’s repaired to a roadworthy condition.

Agreed value coverage ensures that the insurer and the policyholder agree on the value of the vehicle at the start of the policy. In the event of a total loss, this agreed amount will be paid out.

Yes, modified vehicles often require specialist modified car insurance because modifications can affect the vehicle's performance, safety, and value.

Factors include the type and value of the vehicle, its age, the extent of modifications, the intended use (e.g., daily use, shows, parades), and the driver's history and age.

Many specialist vehicle insurance policies offer discounts if you agree to a limited mileage cap, as less usage generally reduces the risk of claims.

Yes, most specialist vehicle policies include coverage for participation in shows, but it's important to confirm this with us when taking a policy out.

Laid-up or SORN (Statutory Off-Road Notification) insurance covers your vehicle while it's not being driven and is kept off the road. This coverage typically protects against theft, fire, and damage while stored.

Many specialist insurance policies offer European cover, allowing you to drive your vehicle in EU countries, but you should check the specifics with your insurer.

Salvage retention allows you to keep the remains of your vehicle if it's written off after an accident. This can be important for rare or valuable vehicles where parts may be hard to replace.

The agreed value is usually determined through an appraisal by a specialist or by providing evidence of the vehicle's value, such as photographs, receipts.

Yes, you can obtain insurance for a project car. This type of policy typically provides coverage while the vehicle is being restored or built.

Some insurers may have age restrictions or require a minimum amount of driving experience for certain types of specialist vehicles, especially high-performance or classic cars.

An agreed mileage limitation is a cap on the number of miles you can drive your vehicle annually, often in exchange for a lower premium. Exceeding this limit could affect your coverage.

While most specialist vehicle policies are designed for personal use, some insurers may offer coverage for business use, depending on the nature of the business and the vehicle.

Keeping your vehicle in a secure, locked garage can often result in lower premiums, as it reduces the risk of theft and damage compared to parking on the street.

We may require additional security measures such as alarms, immobilizers, tracking devices, or secure storage to lower the risk and qualify for coverage.

Yes, left-hand drive vehicles, often imports, can be insured under specialist vehicle policies, though they may have specific conditions or premiums.

The excess (the amount you pay towards a claim) for specialist vehicles can be higher or vary based on the vehicle's type, value, and modifications. Check your policy details for specific excess amounts.

 

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