A True Story

This story reaffirms why you should always use a solicitor who is conversant with park home legislation when buying a new or indeed a pre-owned park home.

The story relates to a small residential park which is licensed for 5 park homes. The site owner decided to add two more homes to the park, without permission, the homes were duly sited and sold.  The Local Authority is now pursuing enforcement action against the site owner to remove two homes to comply with the site licence, how he will choose which homes to move is still to be determined but imagine the worry this will create for those home owners who bought their homes in good faith, potentially two could be homeless because they are very unlikely to find another park which will allow them to site their own homes on a plot.

The situation would have been avoided if the purchasers had used a solicitor because he/she would have checked the site licence conditions with the licensing authority.

It remains to be seen what recourse the two park home owners will have against the site owner but clearly the homes have been mis-sold and a claim for compensation will surely follow, and it is to be hoped will be successful. Many but not all park home insurance policies include legal advice and legal expenses with access to solicitors qualified in park home law as does the PBIS ‘Select’ policy, it is not a commonly used benefit but can be worth its weight in gold – and peace of mind.

This incident is rare but it is certainly not an isolated occurrence, we know of other examples where a site owner has extended the boundary of the park, sited and sold homes which neither had planning permission or a valid license. The park home owners in this case sued the site owner, one we believe was re-sited within the park, the other received their money back.

Get in touch

If you have any questions or would like to learn more about our insurance, then please contact our team today on 0800 038 5082 or email us on enquiries@pbinsurance.co.uk and we’d be happy to help.