The true test of any insurance policy is when you need to make a claim, so choosing an award-winning park home insurance specialist will give you the confidence you need, should you have to make a claim.
If you own your own park home on a residential site in England, you could benefit from a new government scheme to make your home more energy efficient.
The park home lifestyle appeals to many people, but what do you need to know before buying a park home?
Problems caused by damp in your park home can be difficult and very expensive to repair, so the best way to deal with damp is to prevent it happening in the first place.
Preparing your park home for the winter reduces the risk of damage to your home.
Householders need to be vigilant regarding roofers and other trades people who knock on your door uninvited.
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.
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Residential Parks and Holiday Parks – What’s the Difference?
If you’re thinking of buying a park home, one of the decisions you need to make is whether you choose a residential park or a holiday park.
Right of permanent residence
The key difference is that you have no right of permanent residence on a holiday park – so your main residence needs to be elsewhere. The opening times of a holiday park are governed by the licence that it has been granted by the local council, so you may find that it is closed for one or two months a year, or that you can only stay there for a maximum number of weeks at a time. Even if a holiday park is open for 12 months of the year, it does not mean that you can live there permanently.
Of course, your choice of a residential park or holiday park for your park home depends on how you want to use your home – both now and in the future. A holiday park may have mixed use accommodation – such as holiday lodges, static caravans and holiday caravans so this may influence your choice. Also, check the terms of the licence to find out whether sub-letting is permitted.
Cost considerations
Buying a home on a holiday park is likely to cost less than the equivalent home on a residential park. One of the reasons for this is that the occupational licence covers a specific time period (for example 10,15,25 or 50 years) while the occupational agreement for a residential park has no end date (a period of perpetuity).
Also, a home on a holiday park is not subject to council tax as it is not your sole or main residence. The local authority may need confirmation that you pay your council tax elsewhere.
Consumer protection
On the other hand, homes on holiday parks are not protected by the Mobile Homes Act 2013, while homes on residential parks are. The Mobile Homes Act 2013 was designed to provide better protection for park home owners, and provide the legal framework to allow honest and professional site owners to operate successfully without unfair competition from rogue traders.
A park home owner owns their home, but pays a fee to the park owner to site their home on their land. Amongst other things, the Mobile Homes Act 2013 introduced new rules on reviewing pitch fees so that unscrupulous site owners do not take unfair advantage of residents. In 2017, the Government carried out a review of the Mobile Homes Act 2013 and has recently published its findings. You can access them here: Mobile Homes Act 2013 Review.
You can also find further information on buying a park home on our website and see park homes for sale.
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Now that the days are getting shorter and the weather is getting colder, the focus shifts from al fresco dining to cosy nights in! Autumn and winter can still provide great opportunities for relaxing and enjoying your park home, whether it’s pub lunches, countryside walks, wildlife spotting or a bracing stroll along the beach. Now’s a good time to plan ahead and take a few precautions to ensure that your park home is protected against the winter weather and still provides a cosy retreat.
Ten tips for preparing your park home for winter
- Check your roof and repair or replace any broken tiles
- Clear drains and gutters to avoid any blockages – do this regularly if you’re surrounded by trees as leaves and debris can build up quickly
- Visit the environment agency website to check if your park home is at risk of flooding
- Install insulation to prevent heat escaping through the roof
- Have your boiler checked to identify any issues before it gets too cold
- Keep your park home warm and the heating on whenever you can to avoid frozen pipes – see our blog post about preventing escape of water from your park home
- Be sure to know where your stopcock is in case you need to turn off the water in your park home quickly
- Repair any dripping taps
- Seal any gaps around the edges of doors and windows to prevent draughts – but still try to maintain some ventilation
- If you’re not going to be staying in your park home as often, then check your park home insurance policy for clauses relating to unoccupancy. You can review Park Home Assist Park Home Insurance policy documents here
Taking these simple steps could help to avoid the stress and hassle of having to make an insurance claim. It is also worthwhile saving your insurance provider’s contact details on your phone in case of an emergency.
Wrap up well and stay safe and warm this winter.
As we approach the winter, the risk of damage to your park home from frost and ice increases. It is therefore very important to be aware of any conditions of your park home insurance policy, especially if you are spending less time at your park home.
If your park home is unoccupied for more than 48 hours during the period between 1st November and 31st March (both days inclusive) to reduce the risk from escape of water, and in order to fulfil policy conditions, we recommend that you drain down the entire water system as a precaution to prevent freezing and any potential damage this may cause.
How to drain the hot and cold water system of a combi boiler
- Turn off and/or extinguish your water heater/boiler
- Turn off the mains water supply at the entrance to your park home
- Run all the taps in the property and flush all toilets until water stops coming out
- If you have a hot water cylinder, empty it by opening the drain-cock at its base, attach a hosepipe to the drain-cock and run the water into a drain or bucket
- Empty the rising main, and any low pipework if applicable, by opening their drain-cocks
- When all water tanks are empty, leave both hot and cold taps fully open with plugs removed throughout your park home
- Put salt into the toilet pans to prevent water in the trap from freezing
If your park home has a sealed heating system containing antifreeze, then the heating system does not need to be drained down, but antifreeze levels must be checked annually and particularly prior to a period of unoccupancy. However, you will still need to turn off the water supply and drain the water system.
When can the water supply remain on?
Alternatively, you may leave the water supply turned on under the following circumstances:
- When the entire home benefits from a heating system (either gas or oil-fired central heating, a geothermal or full electric system – not night storage heaters), which is fitted with automatic controls and a separate thermostat. The system must be set to operate continuously for 24 hours of each day (not controlled by a timing device) and the thermostat set to not less than 13 degrees Celsius. In addition, all internal doors must remain open throughout the park home and where fitted, the loft hatch must be left open.
- When your park home has either a gas or oil-fired central heating system, a geothermal or full electric system and it is fitted with a ‘frost stat’ that is designed and installed to override all the heating controls, irrespective of their functional status, then this must be set to operate at no less than 4 degrees Celsius.
Other things to consider
If you leave your park home without an occupant for 60 consecutive days or more, then you must ensure that a responsible person is appointed to supervise and check the property both internally and externally at least once every 30 days.
In addition, when the park home is left without an occupant for 60 consecutive days then valuables are excluded from your park home insurance cover.
If you have any queries about the conditions of your park home insurance policy, then visit our park home insurance FAQs page, see our park home insurance policy booklet or call our customer service team on 01604 946 722.
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