Mobile Home Insurance

See how much you could save on your renewal costs.

Mobile Home Insurance

See how much you could save on your renewal costs.

Mobile Home Insurance

See how much you could save on your renewal costs.

Insure your home with a multi-award-winning insurance specialist

Park Home Assist is one of the UK’s leading providers of residential mobile home and lodge insurance with 19 years’ experience and over 30,000 policyholders.

Mobile Home Insurance

Park Home Assist is an award-winning mobile home insurance specialist and we have been helping mobile home owners protect their valuable assets since 2005. With more than 30,000 policyholders throughout the UK, they choose to insure with us because we truly understand mobile home living, we are completely dedicated to understanding our customers and we can tailor each policy to suit their requirements. With the knowledge we have acquired over the last 19 years, we have specifically designed our insurance policies with mobile home owners in mind and they are exclusive to Park Home Assist, so you will not find them anywhere else.

Although we are one of the largest mobile home insurance providers in the UK, we are a family run business and we are exceptionally proud of the service we provide to each and every customer. We have an award-winning claims service and we were recognised by the insurance industry when we won the Insurance Times Claims Excellence Award for Customer Care Initiative of the Year, in recognition of the excellent service our customers receive when they make a claim.

On the 3rd July, we were recognised once again by the insurance industry when we were announced as winners of The Customer Experience Award at the 2024 British Insurance Awards. We had very similar success at the same event in 2022 when we were announced as winners of two prestigious awards in one night, the 2022 Personal Lines Broker of the Year Award and the 2022 Customer Care Award. These awards stand pride of place next to our 2024 Feefo Platinum Trusted Customer Service Award in recognition of the excellent customer service that we provide to our park home insurance policyholders and our 2020 UK Broker of the Year Award. Each of these awards are a true reflection of our commitment to outstanding customer service, whether you are speaking to us for the first time, renewing your policy, or making a claim.

Speak to one of our mobile home insurance specialists today by calling 01604 946 796. We’d love to hear from you.

Type of cover

Included as standard

Our mobile home insurance policy has been designed for residential mobile home owners and offers comprehensive cover for your mobile home. Below is an overview of what is included as standard with our mobile home insurance policy.

Mobile 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.
Mobile home contents cover up to £75,000
Valuables up to £20,000 within the mobile 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
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 Mobile Home
Pedal Cycle Insurance Cover away from your Mobile 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

Mobile 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 mobile 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 Mobile 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 Mobile Home
Compensation following an accident for death or injury
An Employment Tribunal
Nuisance or trespass to your Mobile Home property
Disputes with the park owner where your Mobile Home is situated
Compensation against someone who damages your Mobile Home
A probate dispute
Defence of a breach of contract against you for goods sold privately that relate to your Mobile 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 Mobile 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 mobile home insurance.

Park Home Assist have become one of the first Mobile Home Insurers to assist mobile home owners who struggle to obtain flood cover for their mobile 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 mobile 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 mobile home owners in those high-risk flood areas, Park Home Assist really is the place to insure your Mobile 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 mobile 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 mobile home insurance in the usual way. Flood Re will cover the flood risk and keeps the insurance price affordable.

Read more about Flood Re

Type of Cover

Included as standard

Our mobile home insurance policy has been designed for residential mobile home owners and offers comprehensive cover for your mobile home. Below is an overview of what is included as standard with our mobile home insurance policy.

Mobile home buildings cover up to £600,000 (new for older 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.
Mobile home contents cover up to £75,000
Valuables up to £20,000 within the mobile 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
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 Mobile Home
Pedal Cycle Insurance Cover away from your Mobile 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

Mobile 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 mobile 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 Mobile 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 Mobile Home
Compensation following an accident for death or injury
An Employment Tribunal
Nuisance or trespass to your Mobile Home property
Disputes with the park owner where your Mobile Home is situated
Compensation against someone who damages your Mobile Home
A probate dispute
Defence of a breach of contract against you for goods sold privately that relate to your Mobile 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 Mobile 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