Introduction - the traditional holiday home chalet, located on a park
site offering secure basic facilities has been a favourite holiday destination
for scores of Britons since the 1950s. However, in recent years this much
loved form of holiday accommodation has been moving up market and now many on
the most popular sites change hands for considerable amounts of money. The
Canadian, French & Swiss ski chalets have always had a more sophisticated air
and on the whole have been of a much grandeur design. However, the British are
moving up market and the latest chalets being constructed have a good deal of
luxury refinements and can come at a premium.
Chalet Park Building Insurance - whatever your chalet and whatever the
location you will need to obtain chalet park insurance to cover the
property against a wide range of insurance perils such as fires and floods.
etc so you will need cover for holiday homes chalet park. The majority of
companies will not want to insure this type of property because of the
construction methods and the fact that as they are used as holiday or vacation
property, they can spend a good deal of time un occupied. Specialist chalet
park insurance is required from a provider that knows the nature of the risk.
If you are renting the premises out you will also need
liability insurance to protect your self
against claims from your renters. Premiums for chalets will vary depending on
the location and the construction of the premises.
What is a Chalet? - the term chalet stems from a region of Switzerland and
loosely translated means " A herders hut" . These herders huts were seen as
temporary summer accommodation as the herders took their animals from the
lowlands up to the mountain pastures to graze during the summer months. Today,
chalets are often found grouped together in mountain resorts or on parks where
they are seen as " fun" summer accommodation. Often Hotels will have a range
of chalets within the grounds and many people find them a more desirable and
less formal place to stay than the main accommodation. They basically suit
people who love self catering holidays.
Because of the degree of sophistication obtained by the humble chalet many
people are now becoming confused as to actually what constitutes this type of
construction. In essence a chalet is a building that is constructed of timber,
it is usually on a solid base and may have a timber roof or be roofed with
tiles or a tile effect substance. As stated previously, these buildings were
originally located in mountainous alpine areas and were were constructed with
sloping roofs and wide eaves to help deal with the heavy snow falls, they were
the accepted practical temporary accommodation to stay in whilst visiting ski
resorts. Being made of wood, the buildings were extremely durable, and were
able to withstand harsh winter conditions, often associated with altitude
dwelling, this ideal form of holiday home offered an attractive alternative to
people more used to living in brick built structures. Today, the chalet may
consist of many if not dozens of rooms and can contain all mod cons, the
construction is still primarily of wood .
Out side of the ski areas, the term chalet has been used to describe a
multitude of temporary holiday accommodation and in the United Kingdom, they
are usually arranged in parks that will have restricted access and an owner or
manager in residence to make sure everything runs smoothly. Originally all of
the properties on the parks was owned by the site owners but over a period of
time, property has been sold off, often to raise capital. Many park sites
exist, especially in seaside locations where a holiday company (often owing a
good proportion of the chalets themselves) provide additional facilities such
as as swimming pool or evening entertainment. These companies are usually
pleased to take the property off your hands during the summer months and will
take care of all the booking arrangements in return for a management fee. The
purchase of a chalet over a more traditional form of holiday cottage is now
being considered as a viable option by many people. Although they will usually
come with restricted occupancy, the prices are considerably lower than a brick
built structure. In terms of rental yields, you may find that the humble
chalet will net you more money.
Assetsure provide overseas property insurance and holiday home insurance for the
following countries:- Australia,
Austria, Belgium, Brazil, Bulgaria, Canada, Cape Verde, Croatia, Cyprus, Czech,
Denmark, Egypt, Estonia, Finland, Germany, Greece, Hungary, Iceland, Italy,
Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Morocco,
Montenegro, Netherlands, Norway, Poland, Portugal, Ireland, Romania, Slovakia,
Slovenia, South Africa, Sweden, Switzerland, Thailand, Turkey, United Arab
Emirates.
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Copyright Assetsure Limited 2007
Insurance for Chalet Park Holiday Homes