Holiday chalet insurance
Chalet insurance. Relax and enjoy peace of mind.
Your holiday chalet is somewhere you can retreat to. A place to get away from the hustle and bustle of everyday life. It should be somewhere you look forward to spending your time. And you shouldn't have to worry about your chalet being damaged or broken into whilst you aren't staying there. Specialist insurance from Ripe is here to ease those worries.
What kind of chalets do you cover?
We cover a variety of different chalets up to £500,000 in value. Whether your chalet is detached or semi-detached, Swiss or Scandinavian style, we've got the right cover to suit you. As long as your chalet is only used for holiday purposes and isn't somewhere you live all year round, we can cover it. Getting a quote for your chalet is quick and easy - why not see how much you could save on your current policy?
Why do I need insurance for my chalet?
As a chalet owner, you'll be well aware of the risks to your property. Storm damage, fire, flood, break-ins, and vandalism are among the most common incidents which lead to expensive chalet repair costs. There are also risks to other people and their property that you should be aware of. For example, if there was a fire in your chalet which spread to other properties nearby, you might be found to be liable for any damage caused. The holiday park where your chalet is kept may also request that you have a certain level of Public Liability insurance cover to stay on their property. Take a look at Our Cover for details of the different cover options we have available.
What does chalet insurance cover?
Chalet insurance from Ripe covers your holiday home against damage caused by accidents, fire and theft, up to a maximum property value of £500,000. You are also covered for Public Liability up to £2m, which covers you against claims for damage to third party property or injury. As our insurance is unpackaged, you can then choose to add extra cover where you need it, creating a policy which suits you. These include Contents cover (including Frozen Food cover up to £750 and Theft of Money up to £250), Personal Possessions and Sports Equipment (up to £2,000), Legal Expenses (up to £25,000), Rental Cover and Loss of Rent, Temporary Accommodation and No Claims Protection. You can also choose to upgrade your Public Liability cover to £3 million or £5 million. Find out more about Our Cover.
How much is chalet insurance?
The price of your chalet insurance will depend on the age and value of your chalet, the location of the holiday park and the level of cover you select. We have unpackaged our chalet insurance so you can choose your own cover and only ever pay for what you need. Our commitment to you is underpinned by our Ripe Guarantee which means you get great cover and exceptional service at the right price. Find out more here.
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Can I insure my lodge, cabin or chalet that I live in all year round?
Our insurance is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in all year round. If your lodge, cabin, chalet or other park home is your permanent residence, unfortunately, we won’t be able to offer you insurance.
Can I insure a lodge, cabin or chalet that is outside of the UK?
No. Our holiday home insurance is restricted to within the UK only.
What age of lodge, cabin or chalet can you insure?
We can cover properties that were manufactured/built in the last 20 years.
Can my family and friends use my lodge, cabin or chalet?
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 use your lodge, cabin or chalet, they will not be covered, unless you have included Rental Cover and Loss of Rent.
Am I covered if I hire out my lodge, cabin or chalet?
As long as you select Rental Cover and Loss of Rent, your lodge, cabin or chalet will be covered for loss, damage or theft whilst on hire. This also provides cover for any loss of rent you might suffer whilst your property is out of use as a result of the damage. Read the Rental Cover and Loss of Rent FAQ.
What are the minimum safety and security requirements?
Read our safety and security requirements here.