insurance guide
Park home insurance buyer's guide
If you're buying your park home insurance but you're feeling a little lost, you might find the answer you're looking for in our park home insurance buyer's guide.
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Protecting your home, your contents and your right to the quiet enjoyment of your park home.
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*We will beat the inclusive price of your renewal quote if cover is on a like for like basis on park home insurance, subject to underwriting acceptance. Offer valid until 31st December 2017. Open to new or returning customers taking out a new policy only. Offer maybe changed or withdrawn without notice at any time. Proof of current quote will be required for the offer to be applied. You will need to send us proof of your renewal price within 14 days of starting your cover, you can do this by sending a copy via email: parkhome@towergate.co.uk or post to: Beat Your Renewal, Towergate Insurance, Ellenborough House, Wellington Street, Cheltenham GL50 1 XZ.
What does a park home insurance policy cover?
Imagine you have a burst pipe in the middle of the night, we provide a 24 hour contact who will come to you and carry out emergency repairs. You will have no excess to pay for this cover so it won’t leave you out of pocket but just be aware there is a limit of £500 per claim.
We will replace your park home with a brand new equivalent model where necessary and this is true for your contents too. If you have higher value or unusual items it is important that you give us a call so that we can discuss the things you love in more detail.
We understand that park home legislation is changing all the time and that these changes can be confusing. For that reason, our cover includes a 24 hour legal helpline, manned by experts who can answer your questions and concerns. Our legal cover is limited to disputes related to your park home, check your policy booklet or ask the team for the full list of exclusions.
You can relax knowing that there is no excess applicable to most claims on our Insurance for your Park Home policy. The only one to watch out for is the excess related to subsidence, landslip or heave which is a £500 excess.
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 park home team in Cheltenham 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. We will continue to guide you through from notification through to settlement.
We’re here to help so call us on:
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insurance guide
If you're buying your park home insurance but you're feeling a little lost, you might find the answer you're looking for in our park home insurance buyer's guide.
View insurance guide
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We will try to give you a call before renewal is due to see if you would like to make any changes to your mobile home policy. We’ll then send your renewal in the post with plenty of time for you to check through the details and make sure you’re happy. You can pay by direct debit, cheque or in full on a debit or credit card.
We give a blanket cover on our park home policies which means for a double unit, 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. For a single unit £250,000 is covered for buildings and £50,000 for your contents. The reason for having these figures in place is to make sure that we can cover a full replacement of your park home as new, even if the value of a new home has increased a little over the years. It also ensures extra costs like debris removal and delivery of a new home are all covered and you are not left out of pocket.
You can speak with legal experts at Park Home Legal Services for any advice you should need and this is included in our policies. In addition, we have legal support available from Abbey Legal protection who can offer advice and represent you in court or at a Residential Property Tribunal. Just remember 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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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