• Park Home Insurance

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  • "Park Home Assist, excellent company.

    Getting my park home insurance with park home assist was very straight forward, their customer service talked through everything and I had my cover in place in minutes.”
    (Feefo – November 2018)

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Park Home Insurance

Park Home Assist Insurance is a UK based, family-run business, providing specialist park home insurance.  We are one of the leading providers of insurance for residential park homes and have 13 years’ experience offering one of the most competitive and comprehensive policies available for park home owners.  We understand that insuring a park home is completely different to your typical bricks and mortar, which is why our park home insurance is specifically designed with park home owners in mind.

Every member of our team has a high degree of knowledge about park home insurance, so you can be confident that the person you speak to has a specialist knowledge of park homes and that you will receive the right cover.  You can take comfort in knowing we do not operate in a call centre, so when you need to contact us, you can speak to the same person every time, just ask for them!

Despite being one of the largest providers of park home insurance within the UK, customer service lies at the heart of everything we do, from the moment you first ask for a quote, through to renewal.  This service has been recognised by the insurance industry, by awarding the Park Home Assist claims teams with the Customer Services Initiative Award for claims handling in 2017.  We are also proud to have been awarded a Feefo Gold Trusted Service Award 2018 in recognition of the excellent customer service that we provide to our park home insurance policyholders. The Feefo award is an independent seal of excellence, which is only awarded to businesses that use Feefo, to collect genuine ratings and reviews. This a true reflection of our commitment to outstanding customer service.

If you ever have to make a claim we do our best to resolve your claim in a timely and professional manner.  We also have our own Claims Co-ordinators who will ensure your claim progresses in a timely and efficient manner, so you can rest assured knowing that you will be well looked after by our award-winning team.

Park Home Assist offer special rates and discounts for:

  • Over 50s
  • Selected parks
  • No claims
  • Newer homes

Our insurance policies offer some great features such as:

  • Accidental damage cover on buildings and contents
  • Valuables and personal possessions away from your park home
  • Pedal cycle cover away from your park home
  • Money and credit card cover away from your park home
  • Mobility scooter cover
  • Monthly premium installment facility

You can read the full details of what is included as standard with our policies and any optional covers available below.

If you want the peace of mind of an award-winning claims service, comprehensive cover as well as a competitive premium, then contact us today and find out why 25,000 park home owners choose Park Home Assist to insure their residential park home.

FAQs – Frequently asked park home insurance questions.

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 25,000 policyholders in over 13 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 – Good information to know.

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 insurance claims co-ordinators are 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.

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25000

25,000 insured people so far……

13

13 Years Experience

1000

Over 1000 claims handled in 2017

2017

Insurance Times claims excellence award winners.

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 £500,000
  • 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 £60,000
  • 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
  • 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
  • £5 million public liability 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.
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.