How much does chalet insurance cost?

The cost of a chalet insurance policy depends on several factors, including the level of cover selected, security measures in place, and the location and age of the chalet. The quickest way to find the cost of chalet insurance through Ripe is to get a quote online.

Can I insure my chalet that I live in all year round?

Chalet insurance through Ripe is designed for holiday and recreational use only. The chalet must be sited on a park registered with the local authority and have a holiday licence. Chalets that are lived in all year round are not eligible for cover under this policy.

Can I insure a chalet that is outside of the UK?

No. Chalet insurance arranged by Ripe is restricted to properties located within the United Kingdom only.

What age of chalet can you insure?

Ripe can arrange insurance for chalets that were manufactured or built within the last 20 years.

Can my family and friends use my lodge, cabin or chalet?

Insurance covers the policyholder, their domestic partner, family members permanently living with them and foster children who live with them. Friends and family outside of this group are not covered unless Rental Cover and Loss of Rent is added to the policy.

Am I covered if I hire out my chalet?

If Rental Cover and Loss of Rent is selected, your chalet will be covered for loss, damage or theft while it is hired out. This can also provide cover for any loss of rent you may suffer while the property is out of use due to insured damage.

Chalet Insurance

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Chalet insurance for holiday chalets in the UK

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Why choose Ripe for chalet insurance?

A holiday chalet is your own space to get away from it all, whether that is family weekends, quiet breaks or letting others enjoy it when you are not there.

As chalets are often left empty, things can go wrong, from break-ins and storm damage to missed stays and lost rental income. Specialist chalet insurance by Ripe can help financially support you if your chalet is damaged or you are unable to welcome guests. Whatever your thing, keeping it just for you or sharing it with others, it is about enjoying your time away with greater peace of mind.

Cover that looks after more than just your chalet

Decking and verandas are included within the overall value of your chalet, so the parts that make it feel like yours are protected too.
Your belongings are protected at your chalet

Personal possessions can be covered whether they’re in your chalet or taken elsewhere, giving you peace of mind. *Terms apply.
Cover designed for high-value chalets

With up to £500k buildings cover and up to £60k for your contents, you can protect the things that matter.

What does chalet insurance cover?

Building and contents cover – combined cover limit of £500k (maximum £60k for contents cover)
New-for-old replacement - up to 10 years
Public Liability – up to £5m
Underground services – up to £1.5k
Debris removal – up to £10k

Personal possessions cover – including sports equipment
Rental cover and loss of rent - up to £200 per week and £800 in total
Temporary accommodation
No-claims protection
Legal expenses

Wear and tear
Loss or damage to property left out in the open
Damage caused by moths, vermin or insects
Damage caused by atmospheric or climatic conditions, such as fogging up and condensation
Damage caused by poor workmanship

For more information about what isn’t covered under the terms of this insurance, please read the Ripe holiday lodge insurance booklet.

Read our Important Documents page for full cover details.

Chalet Insurance FAQs

The cost of your chalet insurance policy depends on multiple factors such as the security measures you have and your chosen level of cover.
Various things can impact the cost, such as the location and age of your chalet. The quickest way to check the cost of chalet insurance through Ripe is to get a quote online today.
The home must be used for holiday and recreational purposes and be sited on a park registered with the local authority and has a holiday licence.
No, this policy is restricted to within the UK only.
Ripe can arrange cover for properties that were manufactured/built in the last 20 years.
Our insurance covers the person who takes out the policy, their domestic partner and members of their family (or families) who are permanently living with them, and their foster children who live with them. If you allow friends and family outside of this group to use your chalet, they will not be covered, unless you have included Rental Cover and Loss of Rent.
If you select Rental Cover and Loss of Rent, your chalet would be financially covered for loss, damage or theft whilst on hire. This can also provide cover for any loss of rent you might suffer whilst your property is out of use as a result of the damage.

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