insurance guide
Park Home Insurance Buyer's Guide
Need some help understanding your park home insurance? Our guide explains the various levels of cover you might require and offers advice on how to ensure you are adequately...
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Park home insurance designed for park home owners. Crafted around your needs, covering what matters to you most, and giving you peace of mind.
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It’s never convenient to find a burst pipe or leaking washing machine. Choose to include homecare emergency cover and we’ll provide a 24-hour service, dispatching an engineer or professional tradesman to carry out emergency repairs.
If damaged beyond economical repair, we will replace your park home with a brand new or equivalent new model, and this is true for your contents too, up to £75,000. The only limitation is on clothing and linens where value will take into account wear and tear. Note, items such as furs will come under your personal possessions cover.
We can’t always predict when something may go wrong, that’s why we include all these covers as standard – for your peace of mind. From minor storm damage to a window, to the full bubbly flooding of suds from your washing machine damaging the floors and cupboards, it’s good to know that your park home is covered when it counts.
There is a standard £75 excess applicable on the policy. If you want to add a voluntary excess, you can select from the additional amounts between £75 and £250, which can sometimes help reduce your overall premium. The only exception to the standard excess is in the (unlikely) event of ground movement (landslip, heave or subsidence) where we have a £500 excess. You can also select excess protection as an optional additional cover, so should you need to make a claim your excess will be reimbursed, up to £250 a year.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
At Towergate we’re proud of our claims service. Our friendly team are dedicated to reacting quickly and to keeping your claim moving forward.
We will talk you through the details of your claim and advise you of the next steps in the process, continuing to guide you through from notification through to settlement..
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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. Note, restrictions will apply, so please refer to your policy wording.
You can choose to include legal protection cover with your park home insurance policy. Legal protection cover means that you have access to specialist legal experts at Abbey Legal Protection for advice relating to park home and site disputes. From advice over the phone, to representing you in court or at a residential property tribunal, we’re here to take care of you.
This cover is for park home specific disputes only.
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 equal 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.