Park Home Insurance

 

Because park home owners are not all the same, because they have different expectations and different budgets, we have carefully designed two park home insurance policies which we hope will allow you to choose the right one for you: Economy & Select

 

Park homes offer a unique lifestyle, their construction is different, the ownership model is different, the community lifestyle is different. Our policies have been carefully designed, they are based upon over 60 years of experience in the park home marketplace and many conversations with park home residents.

 

Both policies provide cover on a replacement as new basis designed to replace your home and its contents with their brand new equivalent in the event of a total loss. They will both cover the most important perils such as fire, storm, flood, theft and the escape of water and will include other benefits such as freezer contents, replacement locks, alternative accommodation, public and property owners’ liability and importantly 24-hour home emergency assistance and a free and bespoke park home legal advice helpline.

Type of cover

We have set out below in a helpful ‘at a glance’ style the full range of features and benefits provided by our ‘Select’ and ‘Economy’ policy options enabling you to chose the policy which best matches your requirements.

If there is any aspect of the policies that you do not understand please call us and we will gladly explain. You can also view the full policy wording on line or we shall be happy to forward a specimen policy to you.

We have done our best to set out the features clearly, we believe both policies provide excellent cover, as good, if not better, than any other comparable policy currently available.

Please remember that no policy will protect you and your home against every eventuality, conditions and exclusions will apply and every application will be subject to individual underwriting taking into account your needs and your individual circumstances.

Insurance discounts

 

Paul Baker Insurance Services (PBIS) work closely with and support both local and national park home resident’s associations such as IPHAS (www.iphas.co.uk). We applaud the work they do on behalf of residents organising events, representing their interests with the park owner and campaigning for changes to the park home legislation contained in the Mobile Homes Acts. 

 

Members of resident’s associations can claim a 15% discount on their park home insurance premiums with PBIS, this can equate to a saving of around £40 on our ‘Select’ policy for an annual membership fee which is usually around just £5 ! A great investment don’t you agree ?

 

We also offer a 15% discount to supporters of the Park Home Owners’ JUSTICE Campaign which has been instrumental in achieving beneficial changes to the Mobile Homes Act. 

 

In addition we recognise that there are many excellent park operators who invest in their parks and work closely with residents to ensure that park home living really is the dream it should be, a relaxed, safe and free from worry and stress. 

 

So if you live on a park owned by the Turners Group or Michael Ward you can claim a 15% discount on your park home insurance with PBIS.

 

We are looking to add more parks to this scheme going forward. Please note you can only claim for one of these discounts !

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You choose how you deal with us:

Park Home Insurance

Section   Select Economy
Structures Standard Excess – All Sections Nil £100
Usual Definition of Unoccupancy 60 days 30 days
Sum Insured £600,000 £300,000
Basis of Settlement New for Old New for Old
Cover Basis Accidental Damage Specified Perils*
Trace & Access £5,000 £1,000
Site Clearance, Delivery & Resiting Yes Yes
AD to service pipes and cables Yes Yes
AD to glass and sanitaryware Yes Yes
Replacement locks £1,000 £100
Alternative accommodation £120,000 £60,000
Emergency entry Yes Yes
Contracting purchaser Yes Yes
Property owner’s liability £5,000,000 £5,000,000
Contents Sum Insured £65,000 £40,000
Limit Any One Valuable £5,000 £1,500
Limit All Valuables £20,000 £7,500
Limit money £500 £150
Limit business equipment £5,000 Not insured
Basis of Settlement New for Old

(incl. clothing & linen)

New for Old

(incl. clothing & linen)

Cover Basis Accidental Damage Specified Perils
AD to Entertainment Equipment Yes Yes
AD to mirrors and glass Yes Yes
Replacement locks £1,000 £100
Payment card liability £1,000 Nil
Accidental loss of oil and water £2,000 Nil
Temporarily Removed £5,000 (£2,500 for Theft) Nil
Alternative accommodation £13,000 £5,000
Documents £2,500 Nil
Festival and wedding gifts £6,500 Nil
Visitor’s personal effects £1,000 Nil
Domestic staff’s personal effects £1,000 Nil
Frozen food* Up to the Contents Sum Insured £100
Liability to domestic staff £10,000,000 £10,000,000
Public liability £5,000,000 £5,000,000
Tenant’s liability £13,000 £5,000
Unrecovered damages £5,000,000 Nil
Emergency entry Yes Yes
Shopping in transit £350 Nil
Dependant relative contents £2,500 Nil
Professional Home Removal Yes NO
Contents in the open £1,500 £250
Garden plants £1,000 £250
Personal Possessions Territorial Limits Worldwide Worldwide
Maximum Sum Insured £10,000 £5,000
Limit Any One Item £1,000 unless Specified £1,000 unless Specified
Limit Money £500 £500
Payment Card Liability £1,000 £1,000
Personal Accident Maximum Limit of Indemnity £10,000 N/A
Maximum Age of Claimant 69 Years N/A
Home Emergency Assistance Domestic Emergency Helpline Yes Yes
Emergency Repairs £1,000 £250
Overnight Accommodation £250 £100
Park Home & Family Legal Legal Helpline Yes Yes
Protected Park Home Disputes Yes N/A
Misrepresentation & Breach of Contract Yes N/A
Consumer Pursuit Yes N/A
Consumer Defence Yes N/A
Personal Injury Yes N/A
Employment Disputes Yes N/A
Property Infringement Yes N/A
Property Damage Yes N/A
Property Sale & Purchase Yes N/A
Data Protection Yes N/A
Personal Identity Fraud Yes N/A
Terms  of business select  Policy Wording Economy  Policy Wording select  Summary of Cover Economy  Summary of Cover

*fire, explosion, lightning, earthquake, storm, flood, riot, malicious persons, subsidence, escape of water (e.g. from burst pipes or tanks) or oil, theft, collision by vehicles or animals, collapse of aerials, falling trees.