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Why Choose Park Home Assist for your next park home insurance policy?
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Details of our park home insurance 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).
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.
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
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.
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.
Fequently asked park home insurance questions
Do I really need specialist park home insurance?
Yes, residential and leisure park homes are considered to be a ‘non-standard’ risk by insurance companies. This means that your insurance policy must state that it covers a park home specifically. If you think about it, your home is built out of plywood, metal and timber. These materials are very different to the standard bricks and mortar construction that insurers are used to dealing with, and also require different tradesmen to carry out any repairs.
Will the Park Home Assist policy cover the base on which my park home sits?
No, the base is the park owner’s responsibility. So, if the base suffers any damage (such as subsidence) it is their responsibility to claim or repair it, not yours.
My park owner provides insurance for my park home, do I have to use their insurer?
You can use the insurance provided by your park owner, but they can’t insist that you do – in fact it is illegal for them to do so. The park owner is likely to need proof that your home is covered by an appropriate park home insurance policy. We work with park owners and park home manufacturers to make sure that our policies provide the right sort of cover for you.
Do you provide insurance cover for older park homes?
Yes, we do cover older park homes. We don’t have any age restrictions on buildings listed in our policy.
I have a garden shed, is that covered under my park home insurance policy?
Let us know when you speak to our advisor so that we can make sure you get exactly the cover you need, but theft of the contents is included.
How much should I cover my park home for?
Don’t worry about this as our park home insurance policy provides you with up to £500,000 cover for your home (excluding its contents) and our policy also provides cover for site clearance, transportation and re-siting of your replacement home as standard.
Do you offer new for old cover for my park home?
In most cases, homes are repaired. However if your park home is damaged beyond economical repair we will replace it with an equivalent new park home. Our insurance policies also cover site clearance, transportation and re-siting as standard. Your contents are covered on a new for old basis other than for household linen and clothing.
I live on a park that has been flooded in the past, will you still provide cover for my park home?
Yes, we do provide cover, but we may need to exclude flood protection from your policy. Call us on 01604 946 796 and we can check this for you.
How long can I leave my park home unoccupied at any time?
When your park home is left without an occupant for 60 consecutive days or more 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. And when your park home is left without an occupant for 60 consecutive days, valuables are excluded from your insurance.
Between 1st November and 31st March both days inclusive, if your park home is left without an occupant for more than 48 hours you must drain down the entire water system as a precaution to prevent freezing and any potential damage this may cause.
If your park home has a sealed heating system containing antifreeze then this does not need to be drained down but antifreeze levels checked annually and particularly prior to the period of unoccupancy.
In addition all water tanks must be emptied by leaving both hot and cold taps fully open with plugs removed throughout your park home. Or If you wish to leave the water supply turned on between 1st November and 31st March both days inclusive, you must ensure:
• The entire home benefits from a heating system being gas or oil fired central heating or a geothermal or full electric system (not night storage heaters), 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 and all internal doors must remain open throughout the park home and where fitted the loft hatch left open.
Or • If the heating system as described above is installed and additionally fitted with a ‘frost stat’ that is designed and installed to override all the heating controls, irrespective of their functional status, then this may be set to operate at no less than 4 degrees Celsius.
TIPS & ADVICE
Good information to know
As jewellery claims are settled on the replacement cost of the damaged or lost item, if you don’t have an up to date valuation it can be extremely difficult to establish its value. Park Home Assist recommends you have your jewellery valued at least every five years as a precaution. It is also advisable to take and keep photos of particularly valuable items.
How to calculate sums insured for reinstatement
Reinstatement is an insurance term more commonly known as ‘new for old’ cover.
If you have this cover, in the event of total loss of your home, you should get a brand new equivalent home of a similar size and standard should it not be repairable, or if the cost of repair exceeds the cost of a replacement.
This cover does of course depend on whether your sums insured are sufficient to cover you to purchase a brand new replacement home; along with site clearance, delivery and re-siting costs. If they are not, then you do not have new for old cover! So you will be liable for the additional costs.
Too many people believe that they simply need to insure for the purchase price of the home from the manufacturer and forget that this does not include clearing away the old damaged unit, delivery of the new unit and the cost of re-siting the new home.
Our Park Home Policy provides you with up to £500,000 buildings and £60,000 in contents cover as standard and this includes the cost of site clearance, transportation and re-siting. If you feel that this level of sum insured is insufficient then please advise us before accepting or renewing your policy. It is imperative that you have adequate sums insured as this will affect you should you need to make a claim. So remember, when calculating sums insured you need to take into account site clearance and debris removal of the old home, the manufacturing purchase price of a new home, delivery costs and finally re-siting costs.
Remember if the sums insured are not enough to replace the home, it is not new for old cover, despite what is says in the schedule.
Help regarding claims
Park Home Assist insurance policies are designed to give you the best cover at competitive premiums but the true test of a policy’s quality is when you need it most: when you need to make a claim. We do our very best to help you resolve any claims/disputes in a timely and professional manner, and our award winning claims service (as voted by the insurance industry) is testament to the service that our claims team provides.
When the unexpected and unpleasant occurs, what you do next can make a big difference. To that end we have put together some information to help you.
Should you need to make a claim, please contact our dedicated claims team at Davies Group on 0344 856 3810. This is a dedicated claims line and is manned 24 hours a day, 7 days a week, 365 days a year.
We also have our own Park Home Assist Claims Coordinator, Tina Brown, who ensures that your claim is managed throughout and progresses in a timely and efficient manner. You can contact Tina on 01604 386 200 during our normal office hours on Monday through to Friday, or email her on firstname.lastname@example.org.
There is also useful information within your policy document which you should refer to if needed, click here to view your policy document