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

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

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.

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.

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

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