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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 increase your excess, you can select either £150 or £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.
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.
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.
