Park Home Insurance

We provide blanket cover on our park home policies which means you will be insured up to £500,000 for the replacement of the park home and up to £75,000 for the replacement of your contents. This also includes other aspects such as the debris removal and re-siting a new home onto your plot.

We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

When you purchase your park home insurance policy, we will send you a welcome email with your Policy Schedule, Policy Wording, IPID and our Terms of Business. If you have requested paper versions, these documents will be sent to you in the post. If you purchased your policy after August 2019, you can also view your documents in your online portal. If you are renewing your policy, your documents will be emailed to you in your renewal pack or available in your online portal in the ‘My Account’ section.

Your renewal information will be emailed to you before your renewal date. If you purchased your policy after August 2019, you can also view your renewal documents and make changes to your policy in your online portal in the ‘My Account’ section which will include details of what is insured and your premium for the next year.

When you purchase your insurance, we will send your policy schedule in your welcome email which you will need to retain as your proof of insurance. If you purchased your policy after August 2019, you can also view your policy schedule in your online portal.

Yes - to cancel your caravan policy there is a £30 cancellation charge.   

If you choose to cancel your policy within the first 14 days, you will not be charged and a full refund will be provided, including any additional products you may have selected, as long as no claims have been made. The 14 days begin from the date your policy starts or the date you receive your documents, whichever is the latter. 

If you decide to cancel your policy after the first 14 days, you will be charged, by the insurer, for the time you have been on cover and a £30 cancellation fee and our commission will be retained on a pro rata basis. Also, our customer service charge and any additional products are completely non-refundable. However, if a claim has been made, the full premium will be charged. 

Our optional additional products include: Excess protection, Homecare Emergency, Legal Protection and Key Protection. Please check your documentation to confirm if you have included these products in your policy. 

Yes, you can remove your optional additional products at any time. However, you will only receive a refund of premium for these covers in the first 14 days. After the first 14 days the optional additional products are non-refundable.

A site which is registered with the local council to operate as a residential site and remains open for 52 weeks of the year.

• If the site is residential, you can get a quote on our park home policy.
• If it is not, please complete a quotation on our static caravan policy.

If you do not live on a residential site, you will need to get a quote on our static caravan policy.

Yes, you must live in your property for 12 months of the year. If your site requires you to leave your site for a duration of time, you can obtain a quotation on our caravan policy

If you purchased your policy after August 2019, you can view, amend and purchase your renewal in your online portal under the ‘My Account’ section.

If your site has flooded previously, you will need to complete a quotation over the phone to provide the following information:

• When did the site flood?
• Have flood defences been implemented since the site flooded in your area?
• Are there flood defences specific to your site?
• Do you have a floatation device fitted to your caravan?
• When the site flooded, did it affect your caravan?
• What is the distance from any water source?
• Did your previous insurer apply any terms to your policy due to flooding?

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our regulatory information.