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Your inflation-protected Holiday Points

HPB's holiday benefits are provided through a Holiday Points system. Each £1 you invest (including any adviser charge) adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, with the number of Holiday Points required depending on the location, size of property and season.

Here are some examples of how it works in practice:

For two people, holidaying out of season:
A week in The Trossachs, Scotland from 2,150 points
A week in Austria from 1,620 points

And in the height of summer:
A week in La Gomera, Canary Islands from 6,800 points
A week in the Lake District from 8,610 points

If you have a minimum qualifying investment you can also book Short Notice Points Free holidays, subject to availability. Bookings can be made up to 28 days in advance for UK holidays and up to 56 days in advance for overseas. Even if you do not have a qualifying investment, you can still book Short Notice Points Free holidays up to 21 days ahead in the UK and up to 42 days ahead overseas.

Inflation protection: Your Holiday Points allocation is re-valued every year in line with the cost of providing additional holiday accommodation for new investors. This means your holiday accommodation booking power is fixed and protected against inflation. So you can look forward to top quality holidays for life.

User Charge

The no-profit user charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including housekeeping, laundry and maintenance of the many free-to-use-onsite facilities. It is charged per property - NOT per person. And it does not vary with the season: instead, the user-charge remains constant all year round.

For example:

A week for two in the Scottish Highlands could cost around £372 user charge, including VAT*, even at the height of the season.

A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £470 in user charge*

*Prices for 2015 and for Turkey based on exchange rate of £1 = 3.60 Turkish Lira (may vary)


If you do not use our "Money Back Promise" offer explained in "How it works", you may cash in after two years at a value linked to that of the properties and securities but you may get back less than you paid because of charges and changes in the value of HPB’s properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months.

We're so confident you'll be delighted with HPB that we offer you a 'Money Back Promise'!

In regular surveys, Bondholders tell us how happy they are with HPB holidays. That's why we feel confident in giving you the extra reassurance of our unprecedented 'Money Back Promise':

If you take your first HPB holiday within three years of investing and are not, for any reason, entirely happy, you can cash in your HPB investment within 14 days of your return.

Whatever the encashment value, the parent company of the issuer of HPB will make up any difference so that you get back the full amount of your original payment, including charges.

This offer applies to a holiday at any HPB owned property which is taken by at least one of the Bondholders themselves.

Full details of the offer will be provided before you invest.

Bonus Rates


Data Policy

By responding, you agree to us sending you further information by letter, SMS, telephone and/or email. We confirm that we will NOT pass your details to any unconnected parties but other members of our corporate group may also contact you in any of these ways with other holiday offers.

If you would prefer them not to, please tick here


How HPB works

HPB is designed to give you and your family holidays for life. To achieve this, it is structured as a life assurance bond investing, after product charges, in properties and securities. Properties are booked for a no profit "User Charge" and Points issued with the Bond. The minimum initial payment is £5,000. There is a quarterly fee of under thirty pounds linked to RPI, with all other management fees paid from securities. You may cash in after two years at a value linked to that of the properties and securities but you may get back less than you paid because of charges and changes in the value of HPB's properties and securities. In exceptional circumstances cashing in may be deferred for up to twelve months. No medical examination required.

Prize Draw

All brochure requests received by 22nd December 2015 will be entered into our cash prize draw to win 7 individual prizes totalling £2,500.

1st prize £1,250, 2nd prize £750, plus 5 x £100 of cash to be won!

No purchase necessary. Drawn 22nd December 2015. Winners notified, winners list available 12th January 2016. Claim prizes by 2nd March 2016. Those under 18, HPB investors, employees, associates or those in their households are not eligible. One entry per household. Full rules on request.

Privacy Policy


This Privacy Policy explains how HPB Management Limited ("HPBM") will collect, store and use the personal data you supply and how HPBM will monitor use of our websites. Personal data is information which relates to identifiable living individuals.

It is HPBM's stated policy that we will act in accordance with current legislation and aim to meet current best practice with regard to the processing of personal data.

This Privacy Policy does not cover links within any of our websites to other external websites.

Collection of Personal Data

In using any of our websites you may provide certain personal data to HPBM which we will compile and process in accordance with this Privacy Policy.

Use of Personal Data

The names and addresses of investors in the Holiday Property Bond or those enquiring about it are never passed or sold to any unrelated third parties.

Investors in the Holiday Property Bond will receive regular information (by letter, email, SMS, telephone and/or otherwise) from HPBM concerning the Holiday Property Bond’s properties and your investment in and holidays with the Holiday Property Bond and related matters. As an enquirer you will receive information (by letter, email, SMS, telephone and/or otherwise) from HPBM about the Holiday Property Bond and information which we believe may be of interest to you in considering the Holiday Property Bond.

The names and addresses of investors or enquirers are only passed to our associate companies, including HPB Travel Club Limited, Stately Holiday Cottages Limited, Signature Holidays Limited and Lantern & Larks Limited. These companies may then send information (by letter, email, SMS, telephone and/or otherwise) relating to travel services, rental properties, other holiday opportunities and any other offers which they believe may be of benefit to investors in or enquirers about the Holiday Property Bond. If, however, you do not wish to continue receiving such communications, you should use the contact details below and your name will be removed from the appropriate list:

James Boyce, Managing Director, HPB Management Limited, HPB House, Newmarket, Suffolk, CB8 8EH or email privacy@hpb.co.uk

Storage and Collection of Personal Data

HPBM will retain any personal data it holds unless and until you tell us that you no longer wish us to retain it. We are obliged to supply you, on request, with a copy of any personal data we hold about you. If you wish us to erase any personal data we hold or see a copy of the personal data, please contact James Boyce at the above address or email for more details. Should you discover any inaccuracies in your personal details, please notify us as soon as possible at the same address or email and we will correct those details. Where data is no longer required, we will ensure that it is disposed of in a secure manner.

Cookies - General Information

Cookies are tiny text files stored on your computer when you visit certain web pages. They cannot harm your computer, but they can make web surfing easier by saving your preferences. They do not tell us your individual identity unless you have chosen to provide it.


On all our websites

We use Google Analytics to help analyse how visitors use our websites. We specifically use _utma and _utmz which provide us with completely anonymous information. We also use cookies to remember selections or preferences you have already made.

On our "Bondholder" Only Section

If an investor ("Bondholder") chooses "remember me" when logging in to the Bondholder only section of our website hpb.co.uk we store an encrypted user name and password cookie on the user's machine. This will be referred to the next time they visit hpb.co.uk and wish to log in to the Bondholder section.

On our Public Websites

We use cookies to identify visitors to Insight Online who have previously provided us with their name and address and subsequently log in to this site. This then allows us to track the pages they are visiting and offer them further information and help in the most efficient manner.

On all our public websites we may use cookies written by Google which allow us to show HPB advertisements to previous visitors to one of our websites when they browse other websites on the internet. Further information on Google remarketing can be found here.

We also use cookies which tell us which of our websites the user first visited. In other words, if a user has visited one of our websites, but then goes away and comes back to another of our websites, we can track the first site they visited.


You can choose to refuse cookies or tell your browser to let you know each time that a website tries to set a cookie. However, refusing cookies may mean some sections of our websites will not work properly.

For more information about cookies (including how to turn them off) please visit www.allaboutcookies.org.

Policy last updated 19/02/2013

We use cookies to give you the best possible online experience. If you continue, we'll assume you are happy for your web browser to receive all cookies from our website.

Welcome to Insight Online:

your exclusive window into the world of the Holiday Property Bond.

We hope this website will answer some of your questions and help to explain a little more about what the Holiday Property Bond has to offer you.

'Insight' is a great way to hear about the experiences our current investors have enjoyed whilst holidaying with the Bond, and gives you the opportunity to read some of their stories for yourself.

Take a look at our excellent property portfolio, view some of our videos or let Sue Barker show you our latest development in the southern Lake District.

If you are interested in learning more why not email one of our representatives to arrange a chat? Or simply ask us to send you one of our detailed Brochures. Whatever you decide to do, we can't wait to tell you more about HPB.

HPB is a life assurance bond - an investment designed to give you and your family holidays for life. An explanation of just how HPB delivers these holiday benefits and the principal risks (including that you may get back less than you put in) as well as the benefits of an investment can be found here.

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A selection of articles

Keeping good company

“After sitting on an underperforming Individual Savings Account, investing in the Holiday Property Bond was a real opportunity to get some fun from my money."

Viehhofen, Austria

HPB’s Austrian home comprises two chalets, built in the traditional style, divided into five apartments

My amazing week in Madeira

You’re never too young or old to enjoy an HPB holiday. Here, 12-year-old Ellie Stroud, whose parents are Bondholders, writes about her favourite HPB holiday so far.

HPB Management Limited registered in England, number 1581593. Registered office HPB House, Newmarket, CB8 8EH.
Authorised and regulated by the Financial Conduct Authority