Because park home owners are different, 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, and the community lifestyle is different. Our insurance 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.
Most park home policies exclude loss or damage caused by vermin, typically rats and mice. Vermin damage can be very extensive, indeed a park home was damaged beyond economical repair as a result of rat damage in 2018. The 'Select' policy includes loss or damage caused by vermin such as rats and mice.
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.
Standard Premium £345.92 With Resident’s Association or ‘Select Park’ 15% discount £297.03
Standard Premium £259.52 With Resident’s Association or ‘Select Park’ 15% discount £223.59
Optional additional cover is available in respect of personal possessions normally worn or carried about the person away from home e.g. jewellery, glasses, cameras, lap-tops, golf and fishing equipment. As an example to add £1,000 of cover the above premiums would increase by approximately £20 on the standard premium and approximately £16 on the discounted premium.
We recognise the value of local and national park home resident's associations and offer a 15% park home insurance discount to members.
|Structures||Standard Excess – All Sections||Nil||£100|
|Usual Definition of Unoccupancy||60 days||30 days|
|Sum Insured||up to £600,000||up to £300,000|
|Basis of Settlement||New for Old||New for Old|
|Cover Basis||Accidental Damage||Specified Perils*|
|Trace & Access
(to locate the source of the damage)
|Site Clearance, Delivery & Re-siting||Yes||Yes|
|AD to service pipes and cables||Yes||Yes|
|AD to glass and sanitaryware||Yes||Yes|
(by the emergency services)
|Property owner’s liability||£5,000,000||£5,000,000|
|Contents||Sum Insured||up to £65,000||up to £40,000|
|Limit Any One Valuable||£5,000||£1,500|
|Limit All Valuables||£20,000||£7,500|
|Limit business equipment||£5,000||Not insured|
|Basis of Settlement||New for Old
(incl. clothing & linen)
|New for Old
(excl. clothing & linen)
|Cover Basis||Accidental Damage||Specified Perils|
|AD to Entertainment Equipment||Yes||Yes|
|AD to mirrors and glass||Yes||Yes|
|Payment card liability||£1,000||Nil|
|Accidental loss of oil and water||£2,000||Nil|
|Temporarily Removed||£5,000 (£2,500 for Theft)||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|
(by the emergency services)
|Shopping in transit||£350||Nil|
|Dependent relative contents||£2,500||Nil|
|Professional Home Removal||Yes||NO|
|Contents in the open||£1,500||£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|
|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|
|Park Home & Family Legal||Legal Helpline||Yes||Yes|
|Protected Park Home Disputes||Yes||N/A|
|Misrepresentation & Breach of Contract||Yes||N/A|
|Property Sale & Purchase||Yes||N/A|
|Personal Identity Fraud||Yes||N/A|
Paul Baker Insurance Services (PBIS) work closely with and support both local and national park home resident’s associations such as:
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 £6! 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 relaxed, safe and free from worry and stress.
So if you live on a park owned by the Turners Group, Michael Ward, Neil Collis (Pant Mawr Park), Tingdene Parks or parks owned by the Birch's Group, you can claim a 15% discount on your park home insurance with PBIS. This is list is not exhaustive, 'new 'Select' parks are being added all the time.
If you would like to speak to one of our team about our Park Home cover please call us FREE on 0800 038 5090