NEWS FLASH! RECOGNISED ONCE AGAIN & ANNOUNCED WINNERS OF ANOTHER PRESTIGIOUS INSURANCE AWARD… read more
NEWS FLASH! RECOGNISED ONCE AGAIN & ANNOUNCED WINNERS OF ANOTHER PRESTIGIOUS INSURANCE AWARD… read more
Insure your home with an award-winning insurance specialist
Park Home Assist is one of the UK’s leading providers of residential park and leisure lodge insurance with 19 years’ experience and over 30,000 policyholders.
PARK HOME INSURANCE SPECIALISTS
Providing comprehensive park home & leisure insurance with award-winning service since 2005.
Residential Park Home & Lodge Insurance
We truly understand park home living, which is why we have policies specifically designed for residential park home and lodge owners. Every policy provides comprehensive cover, tailored around you. Get your personalised residential park home or lodge insurance quote today.
Park Home Car Insurance
Having your park home and car insurance with Park Home Assist is easy and they do not need to be renewed at the same time. You’ll have one company to deal with and this makes insuring quick and easy, so get a car insurance quote today.
Static Caravan Insurance
The flexible insurance cover provided by Park Home Assist is unique to your circumstances, as we know one policy does not fit all. You can trust Park Home Assist to meet your insurance needs with the comprehensive cover as standard and plenty of optional extras to suit your individual requirements.
RESIDENTIAL PARK HOME INSURANCE
Comprehensive Insurance Cover
Included as standard
Our park home insurance policy has been designed for residential park home owners and offers comprehensive cover for your park home. Below is an overview of what is included as standard with our park home insurance policy.
- Park home buildings cover up to £600,000 (new for old cover, regardless of age of home)
- Site clearance, transportation and re-siting of replacement home
- Alternative accommodation and emergency kennelling up to 25% of the buildings sum insured if your home is made uninhabitable by any cause covered under the buildings section of this policy.
- Park home contents cover up to £75,000
- Valuables up to £20,000 within the park home
- Increased contents cover by 10%, one month before and one month after a special event or religious festival
- All contents are replaced on a new for old basis, except pedal cycles and clothing
- Unlimited freezer contents cover
- £1,000 replacement lock cover for theft or loss of keys
- £1,500 garden furniture cover
- £5million public liability cover
If you permanently live at the address the following benefits are included free of charge:
- Accidental damage whilst moving home
- Jury service up to £25 per day to a total of £1,500
- Up to £5,000 of contents temporarily removed from the home whilst attending full time education (up to £1,000 per single article, pair or set).
Type of Cover
Included as standard
Our park home insurance policy has been designed for residential park home owners and offers comprehensive cover for your park home. Below is an overview of what is included as standard with our park home insurance policy.
- Park home buildings cover up to £600,000 (new for old cover, regardless of age of home)
- Site clearance, transportation and re-siting of replacement home
- Alternative accommodation and emergency kennelling up to 25% of the buildings sum insured if your home is made uninhabitable by any cause covered under the buildings section of this policy.
- Park home contents cover up to £75,000
- Valuables up to £20,000 within the park home
- Increased contents cover by 10%, one month before and one month after a special event or religious festival
- All contents are replaced on a new for old basis, except pedal cycles and clothing
- Unlimited freezer contents cover
- £1,000 replacement lock cover for theft or loss of keys
- £1,500 garden furniture cover
- £5million public liability cover
- NEW – Damage caused by vermin cover
- £7,500 business equipment
- £2,500 cover for theft from outbuildings or garages
- Money up to £1,000 in total or £2,500 in a safe
- Credit cards up to £5,000 in total
- Trace of water leak up to £5,000
- £2,500 Escape of oil & metered water
- Pedal cycles within the home up to £1,000
If you permanently live at the address the following benefits are included free of charge:
- Accidental damage whilst moving home
- Jury service up to £25 per day to a total of £1,500
- Up to £5,000 of contents temporarily removed from the home whilst attending full time education (up to £1,000 per single article, pair or set).
Optional Covers
What optional cover can be added to the policy?
We understand that one size does not fit all and that you may have some valuables or additional possessions you would like to cover. We have taken this into consideration which is why we offer you additional cover suitable for your individual circumstances. The type of optional cover that can be added to your policy is as follows:
- Accidental Damage Cover on Buildings and Contents
- Valuables & Personal Possessions covered away from your Park Home
- Pedal Cycle Insurance Cover away from your Park Home
- Mobility Scooter Insurance Cover including £5m of Public Liability Insurance
- Money & Credit Card Cover away from your home
- £50,000 Legal Protection Cover which includes cover for park operator disputes.
- Home Emergency Insurance Cover
Discounts & Benefits
Park Home Insurance Discounts & Benefits
You may be entitled to additional discounts and benefits depending on a few different factors such as:
- Up To 20% No Claims Discount Available
- Over 50’s Age Discount of 10%
- Selected Parks get up to 20% Discount.
- Discounts for newer park homes
- Recommend a neighbour and get £15 off your renewal next year
- Option to pay by monthly instalments – no deposit necessary
- No Additional Charge for Payment by Credit or Debit Cards
Legal Inclusions
What’s included in Park Home Legal Costs Expenses
Legal costs incurred by the insurer’s approved panel of solicitors up to £50,000 to pursue:
- Defective goods or services provided to your Park Home
- Compensation following an accident for death or injury
- An Employment Tribunal
- Nuisance or trespass to your Park Home property
- Disputes with the park owner where your Park Home is situated
- Compensation against someone who damages your Park Home
- A probate dispute
- Defence of a breach of contract against you for goods sold privately that relate to your Park Home.
- Liaison with credit reference agencies if you are a victim of identity theft
- Writing a letter to a social media website to request removal of a defamatory comment about you.
Legal Exclusions
Significant Exclusions
As with all policies of this type there are some things which are not covered. These are the limitations and exclusions that we think are significant. Full details or all limitations and exclusions can be found in the relevant cover section of the policy wording.
You are not covered under Park Home Legal Expenses for:
- Claims or proceedings that arise outside of the UK, IOM or Channel Islands
- Costs for claims incurred without the insurers prior consent
- Claims that arise between you and someone you live with or have lived with
- Claims where to insurer deems there is no prospect of success
- Costs for legal representation from outside of the insurers approved solicitors list
- Claims below £250 (plus vat) brought against you or pursued for you for Defective Goods Claims
- Claims for stress, psychological or emotional injury unless linked to a physical injury are excluded for injury claims
- Any Employment Tribunal or action against a park owner brought within the first 90 days of the policy
- Trespass or nuisance arising from divorce or matrimonial matters.
- Financial compensation for physical damage in respect of a contract that you have entered into
- Defamatory claims on social media if you are under 18 years of age.
Home Emergency Cover
The home emergency insurance cover is designed to provide you with assistance in your park home when an emergency arises from an incident covered under the policy.
Key benefits Include:
- No Excess To Pay
- Up to £1,000 per claim
- No call out charges
- Unlimited claims allowed
- Boiler breakdown included
Plumbing & Drainage
Leaks caused by the unexpected failure of the drainage system or internal plumbing (including central heating pipes).
Primary Heating System
Cover for the complete breakdown of the central heating system which results in the loss of heating and/or hot water.
Roofing
Emergency repairs following missing, broken or loose tiles causing internal water damage.
Alternative Heating
Receive up to £50 towards the cost of alternative heating sources where these are deemed necessary in the event a claim has occurred.
Internal Electricity
Covers your internal electrics supplying power to your park home following electrical failure of at least one complete circuit.
Pest Infestation
Cover for the removal of certain types of pest infestation (such as a wasp or hornet nest, mice, rats or cockroaches) from the park home.
Overnight Accommodation
Overnight accommodation only where it has not been possible to resolve the emergency following an accepted claim for emergency repairs by a contractor under another section of the policy and the park home is rendered uninhabitable.
Boiler Replacement Contribution
Contribution of up to £500 towards the cost of a brand-new like for like replacement upon production of an original receipt for payment.
Note: All covers are subject to terms and condition.
Read the full policy wording here: Home Emergency Policy Wording
Flood Re Cover
Flood Re
This scheme is a way to help people living at risk of flood get access to affordable park home insurance.
Park Home Assist have become one of the first Park Home Insurers to assist park home owners who struggle to obtain flood cover for their park home when their property may be in a flood risk area. With many insurers refusing to provide any insurance cover for such high risk-areas, Park Home Assist have at least been able to provide cover for clients but flood cover was excluded. Park Home Assist are now able to provide flood cover to many of those park home owners with the implementation of the government-backed scheme, Flood Re.
With our award-winning claims service, and also being voted by the Insurance Industry as ‘2020 Personal Lines Broker of the Year’, with Flood Re cover now available to many park home owners in those high-risk flood areas, Park Home Assist really is the place to insure your Park Home.
How does Flood Re work?
Every insurer that offers home insurance in the UK must pay into the Flood Re Scheme, regardless as to whether they offer the Flood Re scheme or not. This is a levy which raises £180m every year that Flood Re use to cover the flood risks in home insurance policies.
Flood Re works in partnership only with member insurers behind the scenes. When you purchase your park home insurance cover, your insurer can choose to pass the flood risk element of your policy if you live in a high flood risk area to Flood Re for a fixed price, rather than decline to provide you flood cover, or worse of all no cover at all.
If you make a valid claim for flooding, your insurer will pay the claim, and Flood Re will then reimburse your insurer from the Flood Re fund.
In short, you buy park home insurance in the usual way. Flood Re will cover the flood risk and keeps the insurance price affordable.
FAQ’s
As insurance for park home is different from standard home insurance, talking to a specialist park home insurance provider can save you both time and money. And if you’re insuring a park home for the first time, you’re bound to have lots of questions.
Looking after 30,000 policyholders in over 19 years of business, we’ve heard most of the questions! We’ve put together some of the most frequently asked questions on our FAQs page. These refer to questions about discounts available on park home insurance, the type of cover provided, making a claim on your park home insurance and many more.
Tips & Advice
Making sure that your park home has the right type and level of insurance cover is essential and you need to be confident that you are properly covered should you need to make a claim.
Our in-house insurance team has dealt with tens of thousands of park home owners since we started Park Home Assist back in 2005 and have built up a wealth of knowledge. This not only covers park home insurance, but also what’s important to park home owners – how they look after their park homes and protect their property, and how they enjoy their park home lifestyle.
We have our own in-house Claims Co-ordinators, so we liaise closely with our park home insurance customers and the underwriters to ensure that the claim progresses as smoothly as possible. Consequently, we are aware of the many different situations which can arise and result in making a claim. Our Tips & Advice page offers general advice relating to park home insurance and what you need to consider when deciding on your park home insurance policy.
Claims
We understand that the true test of a park home insurance policy is when you need to make a claim. We also appreciate that the event leading to a claim can be distressing, so our aim is to enable the process to run as smoothly as possible. Our in-house park home insurance claims co-ordinator is there to progress claims as efficiently as possible, keep you informed and answer any questions that you have.
If you have any queries relating to park home insurance, then feel free to call our experienced team on 01604 946 785.
Trusted insurance provider with verified reviews through our partnership with Feefo
Platinum Trusted Service Award
On the 16th January 2024, Park Home Assist Insurance Services won the Feefo Platinum Trusted Service Award, an independent seal of excellence that recognises businesses for delivering exceptional experiences, as rated by real customers.
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Over 1,700 claims handled in 2023
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