Leisure Insurance
Protect your caravan, motorhome, lodge or holiday home with Topsail Leisure Insurance. Our policies offer comprehensive cover giving you peace of mind whether at home, on-site or traveling in Europe.
Why Choose Leisure Cover?
While caravan and lodge insurance is not legally required like car or home insurance, it is essential to protect your assets. Accidents, theft, fire, storm damage or vandalism can leave you facing significant costs. Your car insurance does not cover your caravan while towing and public liability may leave you responsible if someone is injured on your property.
With over 25 years’ experience in insuring caravans and lodges and an average customer loyalty of five years, Topsail has a proven track record in delivering reliable insurance solutions and a smooth claims experience.
What Our Policies Cover
Topsail Leisure Insurance provides a wide range of cover options tailored to your needs:
- Fire, lightning, explosion, storm, flood and accidental damage
- Theft or attempted theft of your caravan, lodge, motorhome or contents
- Malicious damage including vandalism by third parties
- Public liability cover up to £5,000,000
- Personal accident cover up to £20,000 (restrictions apply)
- Loss of use including hotel accommodation or replacement caravan hire costs up to £75/day for 14 days
- Cover at home 24 hours before and after your holiday
- European cover for touring caravans up to 270 days per policy year
- Policies are available as New for Old or Market Value:
- New for Old replaces a lost or damaged caravan with a new equivalent model
- Market Value pays the current value of your caravan or lodge
These options allow you to choose the level of protection that suits your lifestyle and usage patterns. Whether your caravan is stored off-season or used frequently, Topsail ensures your investment is protected.
Optional Extras
Enhance your cover with optional benefits:
- Contents and personal effects
- Freezer contents
- Legal expenses
- Awning cover
- Security and Premium Savings
Keeping your leisure assets secure is essential. Ensure your caravan or lodge is protected with approved security measures such as wheel clamps, cameras or other security features. Following these requirements can also help lower your premiums.
European Travel and Touring Caravans
If you plan to take your touring caravan to Europe, Topsail’s policies provide cover for up to 270 days per year. This includes protection for damage, loss, theft and public liability while abroad. Our European cover ensures that whether you are exploring the continent or staying at holiday parks, your caravan is fully protected.
Streamlined Claims Experience
At Topsail, we pride ourselves on a smooth claims experience. Our team handles claims efficiently and professionally, giving you reassurance and ensuring that any damage or loss is resolved quickly. Customers consistently praise our responsiveness, clear guidance and friendly service.
Frequently Asked Questions
Q: Do I need insurance for my caravan or lodge?
A: While it is not legally required, insurance protects you from unexpected costs due to theft, damage or accidents and provides public liability coverage if someone is injured.
Q: What is the difference between New for Old and Market Value cover?
A: New for Old replaces your caravan with a brand new equivalent if it is lost or destroyed. Market Value cover pays the current value of your caravan or lodge.
Q: Does my insurance cover my belongings inside the caravan or lodge?
A: Yes, optional contents and personal effects cover can be added, as well as freezer contents and legal expenses.
Q: How do I make a claim?
A: Topsail provides a smooth claims process handled by experienced staff to give you peace of mind and fast resolution.
Q: Can I reduce my insurance premiums?
A: Yes. Paying annually, installing approved security measures, storing at secure sites, joining a caravanning club, and adjusting your excess can help reduce premiums.
Get a Quote Today
Get comprehensive cover for your caravan, lodge or motorhome and enjoy stress-free relaxation. Request a quote online or contact our friendly team to discuss your insurance needs and secure your policy today. With Topsail, you can enjoy your holidays confidently knowing your assets are protected.
