At Park Home Assist, we understand that the true test of any insurance policies quality is when you need to make a claim. Our policies are designed to give you the best cover at a competitive price but they are also there to ensure if something goes wrong, your completely covered. We pride ourselves on the service you receive when speaking to any of our team, whether you are a new customer or you have been with us for many years and our award-winning claims service is a true reflection of our outstanding commitment to you and how important each customer is to us.

Having to deal with a claim can be quite distressing, so when you contact us, we do everything we can to resolve any claims or disputes in a professional and timely manner. Our two dedicated claims coordinators, Valerie Kearney and Tina Brown always go the extra mile to make sure you are completely satisfied with the service you receive. We get regular feedback regarding our claims service and each review is a true reflection of what you can expect when you contact us.

Claim regarding a cracked toilet cistern

A customer contacted us regarding a cracked toilet cistern which had leaked all over the bathroom floor, damaging her flooring and ruining the carpets in her bathroom and hallway.  As soon as the leak was discovered, the customer quickly turned off her main water supply at the stop cock, emptied her toilet system and mopped up the excess water in both the bathroom and hallway. The quick actions of the customer probably saved even more damage to her flooring and more importantly stopped the damage from spreading. When the loss adjuster visited the property, he first assumed that all the flooring would need to be replaced, however due to the customers quick actions, this substantially reduced the amount of damage to the flooring in the bathroom with only a small portion needing replacing. The toilet cistern was also replaced with new carpets in the bathroom and the hallway.

When things like this happen, we make weekly calls to the customer to ensure everything is progressing as it should and on this occasion the customer was delighted with this action.

As soon as we got the final invoice for the work that had been completed everything was paid promptly and the customer was absolutely delighted which is highlighted on the comments below:

“My heartfelt thanks to you for your very efficient and helpful manner in dealing with my recent insurance claim, minimising the stress of the situation. I would like to thank all of the team for their weekly supportive phone calls, the ladies are all so charmingly personable.  Together you are a winning team.  Wishing you all of the continued success in the future.”

Accidental Damage of a TV

A policyholder’s wife, who has dementia, accidentally knocked over a TV whilst moving around in the home.  This took place on a Saturday, and needing a TV straight away, the policyholder went straight out and purchased a new TV.  On the Monday morning the policyholder called to advise us of the claim. We requested receipts and photos from the policyholder of the TV, it was clear from the photos that the TV was beyond economical repair as the screen was cracked and damaged. As the policyholder had not only the receipt for the new TV but also his original receipt for the damaged TV, once these where received the claim was settled immediately, with the money in the policyholders account on the Thursday of the same week the claim was reported, only 4 days from start to finish.

The policyholder was delighted with not only the service but the speed of the claim and commented,

“Superb, Superb, outstanding, thanks you very much. Your customer services is outstanding.”

Claim raised after completed works.

A claim was raised after works had already been completed. The policyholder was relocating the bathroom within the home.  During the renovations the contractor noticed that there was a water leak in the bathroom.  It was coming from the shower seal which looked like it had been leaking for some time.  As the contractors had already started work on the relocation of the bathroom, whilst this was all being done the repairs were completed at the same time.  The policyholder was able to provide photos of the damage and a report from the contractor who carried out the work along with an invoice for the completed work, including a breakdown of the additional costs involved in repairing the damage caused by the leak  The claim came in on the 11th June 2019, with the policyholder providing all the relevant documents 17 days later. The additional costs where quickly approved and the payment was sent the same day to the policyholder who made the following comment:

“Quite honestly the way I’ve been treated over this unfortunate claim couldn’t have been dealt with any better with the lady associate that has dealt with it so I think you’re doing an excellent job I really do thank you. “

Our award-winning claims service demonstrates our commitment to delivering an outstanding service to each and every customer, all of the time.

For a park home insurance quote, call our Northampton office and speak to one of our insurance advisers on freephone 0800 988 0900.

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Beware of insurance that's too cheap

Beware park home insurance that is ‘too cheap’

Customers of Now4Cover have unfortunately been left high and dry after their insurer, LAMP Insurance Company, went into liquidation. This means that they are no longer able to meet any claim payments. So, if customers of Now4Cover have an outstanding or new claim, it is unlikely to be met. In addition, although any LAMP insurance policies that have not expired will remain in force, they are effectively void as LAMP is unable to pay out on any claims. It is also unlikely that LAMP will be able to refund any premiums to Now4Cover customers who cancel their policy. Policyholders are recommended to seek alternative insurance protection and apply for compensation through the Financial Services Compensation Scheme (FSCS). However, they will only be able to recover up to 90% of the money they have lost, and this is likely to take some time.

This situation demonstrates that there’s much more to choosing an insurer for your park home than just the premium. If the premium looks too good to be true, then it probably is.

Financial strength and security

At Park Home Assist, all of our policies are underwritten by Canopius – one of the Lloyd’s top insurance underwriters. Insurers are rated by different agencies according to their financial strength and security, and Canopius is rated AA- (very strong), A+ (strong) and A (excellent) by three of the major ratings agencies respectively. See the details on the strength of Canopius’ credits ratings here: https://www.canopius.com/about-canopius/security/

When selecting an insurer for your park home or holiday lodge, remember that its value really comes into its own when you need to make a claim. You need to be confident that the insurer will pay out, and that your claim will be handled professionally and efficiently with no nasty surprises. You should also check out independent insurance reviews and testimonials as part of your research.

For more information, or for a quote for your park home insurance, call our Northampton office and speak to one of our insurance advisers on freephone 0800 988 0900.

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Car Insurance for Park Home Owners

Extra Benefits with our Car Insurance 

Did you know that as well as insuring your park home, you can also insure your car with Park Home Assist? We are always looking at ways of helping our park home insurance customers and many of them asked if they could insure their cars with us too. We are happy to provide the best-value car insurance that we can and it’s exclusively for park home owners under the age of 75.

We are also always looking to improve the insurance products that we provide and we’re pleased to offer some new benefits with our car insurance policies – these are our Uninsured Driver Promise and Dash Cam Excess Waiver.

Uninsured Driver Promise

If you make a claim for an accident that is not your fault and the driver of the vehicle that hits your car is not insured, you will not lose your No Claims Bonus or have to pay any excess. In this event, we will need the vehicle registration number and the make and model of the uninsured vehicle, plus the uninsured driver’s details if possible. It also helps to confirm who is at fault if you can get the names and addresses of independent witnesses, if there are any.

Dash Cam Excess Waiver

If you’re involved in an accident and you make a claim that includes evidence from a Dash Cam, we will waiver the excess, regardless of who is at fault. Please note that you have a specified period of time in which to supply Dash Cam evidence.

We offer comprehensive car insurance with up to 5 years No Claims Bonus, unlimited windscreen cover, personal belongings cover and a courtesy vehicle in the event of an accident, as well as various other options.

You can insure your car with us at any time – it doesn’t have to have the same renewal date as your park home insurance. Customers who insure both their park home and their car with Park Home Assist receive the same excellent customer service from the team in our Northampton office. They also have the peace of mind that if they do need to make a claim, they can rely on us to look after them and they love the fact that we understand the park home lifestyle and what it means to them.

More information on car insurance for park home owners.

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Retirement Living

Retirement Living

Retirement may present you with the opportunity to change your lifestyle. You can escape the routine and constraints imposed by your working life for something less hectic, more relaxing or more peaceful.  You can decide to take up a hobby or pursue an interest that you’ve never had the time to do before.

Many more people are now choosing to move to a different home when they retire – escaping to the country or a seaside location.  Downsizing also reduces the responsibilities and costs of owning and maintaining a larger home, freeing up income and time for you to enjoy.  A residential park could be the ideal place for you when you retire and a park home could provide you with a little bit of everything.

What are the benefits of living on a residential park?

Park home living offers a unique lifestyle choice, with a laid-back, quiet and relaxing atmosphere.  It is growing in popularity and boasts great community living.  Park homes are affordable to own, with furnishings and appliances already included. Maintaining your park home can be a lot easier than regular bricks and mortar, making it the perfect low-cost solution for retired people.

There are social benefits too!  You will be living amongst people of a similar age, who may have similar interests and the time to enjoy them. This is just one of many reasons to choose park home living.

Independent living and a relaxing life.

Living in a park home provides completely independent living and is nothing like living in a retirement home, as some may think. Many residential parks have a minimum age of 50 or even 45. You are living in a community and surrounded by people who are like-minded, not noisy or disturbing neighbours.  You will be away from a town centre, so you are not situated in the middle of the normal hustle and bustle of town living, but close enough to just pop into town to go shopping or access the amenities if you want to. In addition, being closer to the countryside allows you to enjoy it much more easily.

Location of your park home?

One of the most important things to consider when choosing a park home is the location. Park homes can be in some really stunning locations, tucked away in the country or by the coast.  You may want a home that has easy transport links to friends and family or one from which you can easily explore nearby places. Take the time to look carefully into different locations that may be suitable for your needs.

What is security like in a residential park home?

Some parks have security, CCTV and could even be gated to give you that added security.

Where can I view park homes for sale?

You can view park homes for sale on Park Home Search where you can also find a list of open days and weekends.   On Park Home Search there are contact details for park operators and manufacturers, which you can contact directly, if you choose.  Every park is different, so make an appointment and visit the park yourself.  This gives you an opportunity to meet the residents and get some feedback, along with getting a good feel for the park and its atmosphere.

Something to think about.

Sit down and think about exactly what you are looking for. Downsizing can be a practical choice when choosing a new home for your retirement and can mark the beginning of a new phase in your life.  A single storey park home could be the perfect home for your retirement, especially as your physical needs will change as you get older. Your dream retirement home will enable you to enjoy life and could also take care of your future needs, as well as any current preferences. It can significantly reduce your living costs and release funds, so you can really enjoy your retirement.

For more tips on park home living and to keep up to date with park home related news, please follow us on Facebook, Twitter & LinkedIn.