What's in this guide?
In this guide we will take you through the key points of our park home insurance cover, explain them in simple language and give you some tips on how to get the best value from your policy. Read on to find out more on:
What is Park Home Insurance?
Park Home insurance closely mirrors traditional ‘bricks and mortar’ home insurance however, there are a few aspects of park home ownership, park home construction and park home legislation which set it apart from regular home insurance.
What really sets Park Home insurance apart from traditional home insurance is that it recognises the different (‘non-standard’) construction of a park home. For example, a park home is built on a chassis out of timber and steel rather than on foundations like a regular house. It also recognises that ownership of a park home is such that you own the home but rent the pitch. Additionally, we know you’re liable for pitch fees and that if your park home is beyond repair, it has to be replaced via the site owner along with the additional cost of site clearance, re-siting and delivery. A Towergate Insurance takes all these things in to consideration and offers cover to match.
We also offer additional support for elderly park home residents who may live on their own. A 24 Hour Homecare Emergency Assistance Service is available and the call-out charges are covered by our insurance policy. Furthermore, Towergate offer help understanding the legislation covering park homes. You can find out more about this in the benefits section below.
What are the benefits of Park Home Insurance?
Your park home is your most important possession - the roof over your head. Park Home Insurance protects your home and contents against most types of loss or damage ensuring that in the event of a fire or burst pipe the home can be quickly and properly repaired with a minimum of fuss and at very little cost to the policyholder.
Essentially our policies provide peace of mind that should the worst happen, your park home will be replaced with a brand new equivalent.
Here’s a selection of just a few of the best aspects of insuring your park home with Towergate:
New for old replacement for life – Regardless of the age of your home, in the event of a total loss it will always be replaced with its brand new equivalent including all associated costs such as; site clearance, re-siting, delivery, reinstatement of skirting, steps, outbuildings and your garden.
New for old replacement on contents too – Again, no matter how old your items are, we’ll replace them, with new equivalents if they get damaged beyond repair. We’ll even replace clothing and linen.
We will cover the cost of removing debris, plumbing in water and electrics and any fees charged by the siteTemporary alternative accommodation - If your home is badly damaged or totally destroyed your policy will cover the costs of staying in temporary alternative accommodation up to a value of £30,000. It may sound a lot but in some cases extensive damage can take many months to repair or replace your park home and for the site owner to reinstate the base.
Legal advice helpline – As many solicitors aren’t familiar with park home legislation we include a free legal advice helpline manned by experts in park home legislation. You can also speak to this team in relation to; employment law, consumer disputes and personal injury claims. Should you need to take a dispute further, we include legal expenses cover too.
Blanket cover – We understand that it can be difficult to calculate how much it will cost to replace your home and its contents as new. We also understand that this sum may change as you make home improvements and buy new items. So that you don’t have to worry about under-insurance, we automatically include high blanket sums insured for both the home and its contents.
Keys and locks –It is so easy to lose your keys - a huge worry too if you think they’ve been stolen. We include cover to replace external door locks up to a value of £500 if your keys are lost or stolen.
Excesses –In the event of a claim, excesses are typically £50 but they can be a lot more. At Towergate excesses are kept to a minimum. In fact, most claims are completely excess free – you pay nothing at all. Subsidence damage is the only exception to this. See the ‘exclusions explained’ section below for more details.
Emergency Assistance –Who do you call at 3.00am to fix a sudden leakage? We include a 24 hour Homecare Emergency Assistance Service which also covers the first £250 of the call out charge, parts and labour.
‘The park owner says I must insure the base upon which my home is sited’
This simply isn’t true. In the vast majority of cases, on licensed residential parks at least, the base is owned by and the responsibility of the park owner - it is their responsibility to insure it.
‘The park owner insists I must use the insurance he recommends’
Some park owners may introduce a particular park home insurance provider to you. You may find that they’ve introduced our policy. Ultimately however, it is up to you to choose who you want to insure your home with. You are under no obligation what so ever to insure with your park owner’s recommendation.
If you tipped your home upside down and shook it, the things that might fall out would need to be included in your ‘sums insured’ ‘I don’t need park home insurance’
It’s true it’s not a legal requirement however, it is sensible to protect your most valuable asset. Furthermore, park owners are permitted to ask for evidence of insurance and in some cases, insurance may be required as a site rule. Another important part of insurance is covering you for any acts of negligence on your part e.g. injury to third parties or damage to third party property. Towergate park home insurance includes £5m worth of cover should you be taken to court.
How to get the best value from your park home insurance
The key to getting the best out of your Park Home Insurance is to value your contents and the park home itself correctly so that you don’t end up underinsured.
Be sure you’re adequately insured but not over insured –There’s no point in over valuing your home and contents. If you over value your home or contents, this will have an impact on your premium so if you give us a greater value than you need, it’s likely that your premium will also be higher than it needs to be.
Claim discounts - There are a variety of discounts available so make sure you claim them! Towergate offer discounts for members of IPHAS, NAPHR, PHRAA and NPHOC – these are the national park home residents’ associations. Discounts are also available if:
Your home is protected by the Gold Shield Warranty
You have a pitched tile effect metal roof
Your home is fitted with door and window locks approved by Towergate
You or your partner are aged 60 or over
Review your insurance cover at renewal -Perhaps you have stopped playing golf or cycling and no longer need to insure your golf clubs or bicycle? Have you down-sized meaning you can reduce your contents sum insured? Have you had a new tile effect roof fitted meaning you now qualify for a discount? If you think you’ve made some changes which might affect your insurance, give us a call when it’s time to renew and we’ll adjust your cover accordingly.
Think about any items you may wish to insure away from your park home –Items such as watches and laptops can be covered whilst you’re out and about. Again, you’ll need to tell us which items you want covered under this feature.
Be sure you read the full list of exclusions in the policy documents when you take out your policy. You can also view the full policy documents on our Park Home Insurance web page.
In the meantime, here are some aspects which our policy unfortunately can’t cover:
Damage caused by domestic pets or vermin - While dogs and cats etc. can be man’s best friend, they can also be mischievous and cause damage. Unfortunately, our policy can’t cover you for this. We also can’t cover you for damage caused by man’s less good friends such as rats and other infestations.
Damage caused by faulty workmanship or design and faulty materials – If you’re unhappy with repairs or work conducted by a tradesman, you should be able to claim on their insurance. Unfortunately, you won’t be able to claim on this policy.
Damage caused by wear and tear, cleaning, alteration or dyeing – This is standard on most insurance policies from homes to mobile phones. Wear and tear cannot be covered however, accidental damage most certainly is.
Unoccupied homes – By ‘unoccupied’, we mean homes uninhabited for more than 30 consecutive days. In this case, you won’t be covered for break ins and theft unless involving forcible and violent entry or exit – so please ensure all windows and doors are closed and where possible locked. During these periods we also exclude damage caused by the escape of water from fixed heating or domestic water installations so we advise you to drain the water systems prior to leaving the home.
£500 excess on landslip claims – One of the best things about our park home insurance is that we don’t charge any excess on the majority of claims. However, in the instance of landslip, ground heave or subsidence, we do charge a £500 excess.
Sometimes insurance can be a bit like a foreign language. Here’s our run down of a few words and phrases which may be a little confusing.
Gold Shield Award - a warranty scheme for your Park Home which lasts up to ten years. It's normally provided on behalf of the Manufacturer by Gold Shield Trustees
Unoccupied - if the home has not been lived in for more than 30 consecutive days, we will class this as unoccupied and some of the features of your policy may not apply anymore. It's best to check your policy documents or with your adviser.
Unspecified personal effects - this refers to items that you may need to cover away from the home e.g. Laptops/tablets or pedal cycles up to the value of £3000 at any one time.
Excess - A payment you make towards a claim on your policy.
Public liability - your liability to other members of the public. We cover for legal costs and compensation payments resulting from injuries or property damage to others, which are caused by you.
Residential Park - A park that holds a residential license and is likely to be open all year round.
Why choose Towergate?
As a specialist insurer with 40 years’ experience, we’ve come to know what park home owners want from their insurance. Combined with our flexible approach to insurance and a helpful approach to customer service, we’re confident that our cover and service will give you financial confidence and provide essential support where it’s needed most.
In addition Towergate take a keen and supportive interest in the park home community by organising regional road shows, sponsoring the Independent Park Home Advisory Service (IPHAS) and many local associations too.
Should you need to claim, our in house claims service will manage your claim without passing you from pillar to post. Our staff will guide you through each step of your claim and advise you on how to gain swift resolution of your claim. Simply give us a call and we’ll take it from there.
Can we help you with anything else?
As one of the largest insurance intermediaries in Europe, Towergate offer a huge range of specialist insurance products. In the leisure department alone we offer insurance for; touring caravans, boats, beach huts and our insurance4carhire.com team offer great value hire car excess waiver insurance.
Plus, if you run your own business, you can get expert business insurance from our specialist SME team. From tradesmen to beauty therapists, get in touch with them today to see how they can help protect your business. Visit our business pages for more information.