park home insurance

Policy documents

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Park home insurance

This is a policy to cover physical loss or damage to your unit and contents (provided that you purchase contents cover). The unit is designed for human residential habitation and meets the specification of British Standards 3632. Contents include household goods, clothing, and personal belongings. In addition this policy covers you for a wide range of perils, including (but not restricted to) fire, flood, storm, theft, escape of water and your legal liability.

  • Loss or damage to your unit and contents caused by fire, smoke, explosion, lightning, thunderbolt, earthquake, riot, civil commotion, strikes, labour disturbances, aircraft and other aerial devices or anything dropped or falling from them.
  • Loss or damage caused by storm or flood, theft or attempted theft.
  • Escape of water or oil from any fixed domestic water or heating installation or water freezing in any fixed domestic water or heating installation.
  • Impact or damage by any animal, vehicle or aircraft or by any articles dropped or falling from them.
  • Loss or damage caused by the breakage or collapse of television or radio aerials, satellite receiving dishes, their fittings or masts.
  • Malicious acts or vandalism.
  • Falling trees, telegraph poles or lampposts or any parts of them.
  • Public Liability cover up to the amount specified in the Schedule.
  • Subsidence, heave or landslip of the land or pitch on which Your Unit stands and for which You are legally responsible.
  • Loss or damage to contents, caused by an insured peril under Section 1, temporarily removed from your unit within the risk country.
  • Reasonable costs for alternative accommodation and pitch fees you are liable to pay for the period the Unit cannot be occupied following loss or damage by an insured peril under Section 1 of the Policy rendering the unit uninhabitable. This is limited to 10% of the total sum insured for your unit for any one claim.
  • Replacing and fitting locks and keys for any external doors, windows, intruder alarms and safes, if you lose your keys.
  • Replacing food in your refrigerators or freezers spoiled or damaged due to accidental breakdown of the appliance, escape of fumes from the appliance or accidental failure of the electricity or gas supply

Optional Covers

  • Accidental Damage Extension cover
  • Increased liability cover to £5,000,000
  • Cover for items away from the park home

Where is cover available?

In the United Kingdom, Channel Islands.

Get a Park home quote by contacting our UK based Broker team on +44 (0)1892 239 370 for more information.

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.