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Sandycove Holiday Homes Ltd


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Caravan Holiday Home Insurance

Sandycove Holiday Homes is an Appointed Representative of Binnacle Insurance Services Ltd, which operates the Compass Insurance Scheme and can insure caravans on most parks throughout Northern Ireland.

Compass has been specialising in holiday home insurance for over 40 years. The policy has been written specifically for caravans, holiday homes, chalets and leisure lodges. Sandycove Holiday Homes issue your cover with the backup of Compass, a UK based team which is available 7 days a week. Cover for events such as accidental damage, fire, theft, storm and flood and vandalism is included as standard.

The main reasons for considering insuring your holiday home through Sandycove Holiday Homes are:

  • Immediate quotation and policy issue from the park
  • Sandycove Holiday Homes can offer support in the event of an emergency and are able to act upon the instruction of Compass to carry out immediate remedial work and organise repairs following damage to your holiday home
  • Peace of mind that your holiday home insurance needs are met by an insurer who understands holiday parks. In the event of a major catastrophe on your park, your park owner will activate the "Compass Major Incident" plan which is a unique service providing on park assistance 365 days a year, within 8 hours of notification.

Benefits of a Compass Policy

The key benefits are:

  • Cover for your rent and alternative accommodation should your unit be made uninhabitable, up to 20% of the total sum insured on your Structure and Contents
  • Public Liability cover, up to £5million
  • Loss of keys up to £500
  • Damage caused by pets, vermin or insects
  • Freezer contents up to £350
  • Bikes kept at your holiday home can be covered up by £250
  • Property in the open is covered, up to 20% of your contents sum insured subject to a maximum of £2500

The key exclusions are:

  • Loss or damage arising from seepage of water into any structure(s) through seams or seals
  • Loss or damage caused by escape of water and or frost whenever your structures have been left unoccupied during the period from 1st October to 14th March unless:
    • The water has been turned off at the mains and all equipment fully drained down. A £250 excess is applicable unless a park-approved service for drain down and re-commissioning has been used, in which case a reduced excess will apply, or
    • For any time the park remains open prior to the structures being fully drained down, the water has been turned off at the mains stopcock, all taps are left open, sinks and plug holes are left unobstructed, or
    • A full central heating system has been set to operate daily and overnight to avoid frost damage.
  • The standard excess payable on this policy is £50
  • The excess payable for subsidence is £1,000

Please call 028 4275 8200 for a quotation for your Caravan Holiday Home.
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