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Chalet Park Insurance

Introduction to Chalet Park Insurance

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.

Outside 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.

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