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Holiday lodge and holiday cabin insurance
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Why choose Ripe for Holiday Lodge Insurance?
Holiday lodge or cabin insurance by Ripe can cover building and contents insurance for your holiday lodge or cabin, plus optional extras to choose from. Got a hot tub? If your tub is permanently fixed, holiday cabin insurance by Ripe can include cover for your hot tub.
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Cover that looks after more than just your holiday lodge
Decking and verandas are included within the overall value of your holiday lodge, so the parts that make it feel like yours are protected too.
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Your belongings are protected at your holiday lodge
Personal possessions can be covered whether they’re in your holiday lodge or taken elsewhere, giving you peace of mind. *Terms apply.
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Cover designed for high-value lodges
With up to £500k buildings cover and up to £60k for your contents, you can help protect the things that matter.
Holiday lodge insurance for leisure lodges and cabins
Owning a holiday lodge or cabin is about having a place to escape to, but different building materials can make them more exposed to weather, accidents and unexpected repairs. Specialist holiday lodge insurance by Ripe can help, covering damage, theft and lost rental income if you are unable to welcome guests.
Whether you share it with others or keep it just for you, it is about feeling comfortable that your place is looked after all year round. If your lodge is your permanent home, park homes insurance may be worth considering instead.
What does holiday lodge and cabin insurance cover?
Holiday lodge and holiday cabin insurance by Ripe can cover building and contents insurance. When selected, it can also cover Rental Cover.
Building cover - up to £500k
Contents cover - up to £60k
Public liability - up to £5m
Underground services — up to £1.5k
Debris removal — up to £10k
New-for-old replacement - up to 10 years
For the full list of what's covered, please visit our Important Documents page.
Temporary accommodation
Legal expenses
Rental cover and loss of rent — up to £200 per week and £800 in total
Personal possessions and sports equipment cover
Wear and tear
Loss or damage to property left out in the open
Mildew damage
Damage caused by moths, vermin or insects
Damage caused by atmospheric or climatic conditions, such as condensation
Damage caused by poor workmanship, design, or the use of faulty or unsuitable materials
Please read our Important Documents for more details on cover.
How much does holiday cabin insurance cost?
There are a few factors that determine the cost of your holiday lodge insurance, including:
the age of your cabin
where your cabin is sited
the value of your cabin and its contents
security measurements in place
your chosen level of cover
your no-claims bonus
You can get an instant online quote today to learn the cost of your insurance.
What kind of lodges do you cover?
We can arrange specialist holiday lodge insurance for whatever style of lodge you own—from prefabricated structures manufactured off-site to wooden lodges built to specification at the holiday park. If your lodge is not your main UK residence and is only used as a holiday home, you can take out a holiday lodge insurance policy.
Plus, you can pick and choose your cover through our simple online quote process, meaning that you only ever pay for what you want.
Holiday lodge insurance FAQs
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We can arrange cover for properties manufactured within the last 20 years.
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Through Ripe, holiday lodge insurance is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in year-round. The lodge must be used for holiday and recreational purposes and be sited on a park registered with the local authority and have a holiday licence.
If your lodge, cabin, or chalet is your permanent residence, unfortunately, we won’t be able to arrange a policy for you. However, we do have a separate park home insurance product for those who live on residential sites.
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Yes—holiday lodge insurance arranged by Ripe covers the person who takes out the policy, their domestic partner, members of their family (or families) who are permanently living with them, and their foster children who live with them.
Friends and family outside this group will not be covered if you allow them to use your lodge unless you have included Rental Cover and Loss of Rent.
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Yes—you can opt for Rental Cover and Loss of Rent to ensure your holiday lodge insurance policy includes this.
Your holiday home will be covered for loss, damage, or theft while it is rented to someone. It will also cover any loss of rent you may suffer whilst your lodge is out of use due to the damage.
The maximum amount which can be paid for loss of rent is £200 per week and £800 overall.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
