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manufacturer warranty

frequently asked questions

Please see below for answers to the following frequently asked questions:


What is the difference between Platinum Seal and other similar schemes?
The biggest difference is that Platinum Seal offers the additional peace of mind by being the only 'insured' 10 year manufacturer's warranty within the park home industry, and therefore comes with all the benefits your customers expect from a properly insured, regulated and audited insurance scheme. In addition, Platinum Seal insured protection is available to more homes and more parks than any other scheme.

Is there a lot of administration to register a home with Platinum Seal?
No. In fact, if you use our on-line registration for the park homes you manufacture, not only are there no forms for you to complete, it takes just a couple of minutes to register a home and we do the rest.

Why the requirement of an additional scheme?
Over the past 5 years there has been a reducing percentage of purchasers of park homes being provided this type of protection and peace of mind. At its height 5 years ago the industry's scheme had nearly 70% of park homes produced joining the scheme. This percentage has reduced year on year since then with less than half of the homes being manufactured now being able to join.

When a customer invests the amount that is required to purchase their dream home, they should be provided the level of protection that expenditure justifies. If the home is not being sited on an 'approved' park, currently, the level of protection available would typically be the manufacturer's guarantee, which could be as little as two years, and will only remain valid if the manufacturer remains in business for the duration of the guarantee. That level of consumer protection is even less than for purchasing a new car, and in some cases even a used car.

Does Platinum Seal only offer protection to homes built to BS3632 standards?
No. Protection is also available for homes built to EN1647, although additional terms and conditions may apply.

Does Platinum Seal offer protection for log cabins?
Yes, as long as the cabin is built to either BS3632 or EN1647, although additional terms and conditions may apply.

Does Platinum Seal offer protection for homes that will be used for commercial use, such as Leisure Fleet Hire?
Not at this stage, although this is something the insurer may consider if demand requires.

If a claim occurred, would we know?
Absolutely. We appreciate that you need to understand any issue your client faces with their home, and we will inform you of any claim.

Platinum Seal isn't the most well known brand in the park home industry. What effect if any, will using Platinum Seal have on sales?
Platinum Seal brings its own benefits not currently available with any other scheme. By offering your customers enhanced and insured protection, available on more homes, on more parks than any other scheme is more than enough to differentiate your homes with any other manufacturer not within the Platinum Seal scheme. Interestingly, in the Bricks and Mortar industry, there are now numerous insurers protecting the structural integrity of the home.

Will other manufacturers know of claims we make?
Absolutely not! The insurers and their administrators provide a confidential claims management service.

Will the cost of us insuring our homes with Platinum Seal be affected by others?
Each manufacturer will be measured by their own claims performance and not that of other manufacturers. If another manufacturer experiences high claims, it is their premiums that will be affected accordingly, and they may not be able to continue with the scheme if this is excessive and does not improve. If you make few or even no claims, commercially the insurer would want to retain you as a client. If we were to increase your premiums significantly this may result in you going elsewhere.

We are selling homes outside of the UK now, will Platinum Seal protect those homes?
Since the launch of Platinum Seal in June 2005, we have already received interest for homes being sold outside of the UK. The short answer is yes, we will protect manufacturers who are selling homes outside of the UK, however additional terms and conditions will apply. More details are available on request.

We are worried that if we join the scheme, premiums will increase significantly in due course!
There are three elements, which affect the premiums going forward, administration, claims, and inflation so let us briefly explain each one.

  • Administration: By opting for the online registration of park homes, this not only saves you time and effort, but also costs as there is no postage to pay. Park Home Assist and the insurer do the rest.
  • Claims: The insurance cover is there for a purpose, for individuals to make bona fide claims. Just making a claim will not increase your premium, it is the number and cost of those claims which may do so.
  • Inflation: We like others would like to control inflation, however this is out of our control. Just like any other commodity, insurance and claims is affected by inflation.

In summary, with the exception of inflation the rest is in your hands. Platinum Seal has been established specifically for the park home industry. If we were to subject manufacturers to unjustified and excessive premium increases, this would likely send them elsewhere.

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