Reasons To Include Legal Expenses Cover In Your Park Home Insurance

When you are enjoying the park home life to its full, it may be difficult to think of any scenario in which you might need legal expenses cover. However, if such a situation does arise, the financial hit can be significant. Therefore it may be worth your time to consider adding legal expenses cover as an optional extra to your park home insurance.

Park homes are a great option for people who want to downsize or live in a community-orientated environment. However, just like with any home, things can go wrong, and you may find yourself in a legal dispute with your park home management or others. That’s where legal expenses cover comes in – it can provide you with the support you need to resolve any legal disputes that may arise.

Park Home Assist offers an optional extra to cover some legal expenses, which can provide cover for a range of scenarios.

The policy covers legal costs up to £50,000 to pursue claims for:

  • Defective goods or services provided to your park home
  • Compensation following an accident for death or injury
  • Disputes with the park owner where your home is situated
  • Compensation against someone who damages your 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
  • Other legal costs expenses listed here

So why should you include legal expenses cover in your park home insurance? Here are a few reasons:

  1. Disputes with park home management:

Unfortunately, disputes with park home management are not uncommon. These disputes can range from disagreements about pitch fees to disputes over repairs and maintenance. Having legal cover can give you the peace of mind that you have the support you need to resolve any disputes that may arise.

  1. Accidents and injuries:

Accidents and injuries can happen anywhere and park homes are no exception. Whether you slip and fall on a wet floor or are injured due to faulty equipment, legal cover can help you pursue compensation for your injuries.

  1. Nuisance or trespass:

Nuisance and trespass can take many forms, from noisy neighbours to unauthorised use of your property. If you find yourself in a situation where someone is causing a nuisance or trespassing on your property, legal cover can help you take legal action to stop the behaviour.

  1. Defective goods or services:

Defective goods or services can cause a lot of problems in a park home. From faulty appliances to shoddy repairs, defective goods or services can put you and your home at risk. Legal cover can help you pursue compensation or legal action against the responsible party.

  1. Identity theft:

Identity theft is a growing problem, and it can have serious consequences for your financial and personal life. If you become a victim of identity theft, legal cover can provide you with the support you need to resolve any legal issues that may arise.

However, it’s important to note that there are some limitations and exclusions to the policy. For example, claims or proceedings that arise outside of the UK, IOM, or Channel Islands, and claims below £250 (plus vat) brought against you or pursued for you for Defective Goods Claims are not covered.

Additionally, claims for stress, psychological or emotional injury unless linked to a physical injury are excluded for injury claims and any Employment Tribunal or action against a park owner brought within the first 90 days of the policy.

Having legal expenses cover can give you the peace of mind you need to enjoy your park home without worrying about legal disputes. Park Home Assist’s Park Home Legal Costs Expenses policy is an optional extra that can provide you with legal cover for a range of scenarios. While there are some limitations and exclusions to the policy, it can still be a valuable addition to your park home insurance policy.

If you’re considering adding legal expenses cover to your park home insurance policy, be sure to review the policy wording to understand what is and isn’t covered and make an informed decision that meets your specific situation and needs.

You can call our award-winning team on 01604 946 796, request a quote or get an online quote by heading to our park home insurance page.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi-award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 26/05/23