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Park Home Insurance
Enjoy a £50 M&S voucher when you buy or renew your park home insurance with Towergate*.
- Specialist insurance to protect your park home lifestyle
- Fire, storm and theft cover as standard
- Up to £500,000 for replacement of your park home
Offer available to customers buying or renewing a park home policy. Terms and Conditions apply and can be viewed below.
One of the UK's leading independent insurance brokers
Why choose park home insurance with Towergate?
Specialist park home insurance support team
Speak to one of our team based in Cheltenham or get a quote online.
Blanket levels of cover for your park home
Insuring you up to £500,000 for the reinstatement of your park home structure and up to £75,000 to replace your contents.
Wide range of property covers automatically included
Protection from fire, storm, theft, accidental damage to property and permanent fixtures and escape of water.
Spread the cost of park home insurance
Options available to spread the total cost over monthly Direct Debit instalments.
About park home insurance
Standard cover
Blanket cover levels on our park home insurance policies
Not sure on the value of your home and contents? Our blanket cover levels on our park home policies take away the hard work for you, insuring you up to £500,000 for the reinstatement of the park home structure and up to £75,000 for the replacement of your contents. If you think you might need a different level of cover, you can call our specialist team who will be happy to help.
Cover for fire, storm, theft, accidental damage to park home and permanent fixtures, and escape of water
We automatically include protection as standard on our park home policies for loss and damage caused by fire, storm, theft, accidental damage and escape of water. You also have the option to extend your accidental damage cover to include personal possessions.
Speak to one of our advisors to find out more.
Cover against frost damage to park home plumbing
We cover frost damage to plumbing as standard when the necessary precautions (found in our policy wording) have been taken. This covers you for frost damage to your interior boiler (if under ten years old) and fixed domestic water and heating installations.
Protection for your outdoor space
Your garden is an extension of your home, so our cover protects from theft and malicious damage including £350 contents in the open. We also include up to £750 for re-landscaping and up to £250 for any single tree, shrub or plant.
Additional park home insurance cover
Park home emergency assistance
Have you recently moved to a new area, or are you unaware of what to do or who to call in the case of an emergency? You can choose to include homecare emergency as an additional product with your insurance policy. This cover provides a 24-hour helpline and assistance, including emergency repair services.
Park home legal expenses insurance
In the unfortunate situation of an insured event or a legal dispute occurring, this protection will cover legal costs and expenses up to £50,000 (including the cost of appeals).
Extended accidental damage park home cover
You have the option to choose to add our extended accidental damage cover on to your policy as an extra level of protection. This will cover you if you should accidentally damage anything that’s not a permanent fixture and fittings, such as carpets, furniture, and appliances.
When you need to make a claim, we'll help you through the process by putting you in contact with the insurers to get your claim settled as quickly as possible.
Please refer to your insurance policy documents for the claims number. Alternatively call the claims team on 0330 018 2293 and explain exactly what happened. Make sure you have your policy documents and all your information to hand.
- Find your insurance documents and make sure you have all your information to hand.
- Call the claims team on 0330 018 2293 and explain exactly what happened.
- All claims will be subject to applicable policy excess.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Park home insurance FAQs
If you are unsure on the value of your home and contents, blanket cover protects your home and belongings inside for a set amount. 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. You will still need to check the amount is right for your needs, especially if you have high value items. Please speak to us if the blanket sums insured values are not sufficient for your requirements.
Before getting a quote, we recommend you take time to note down the make, model, size and year of your property as you will be asked these questions when obtaining a quote. You might want to take a look around to take note of any high value items as well.
There are multiple ways to find out the make and model of your park home. This information is usually found on a plaque outside the home, alongside the serial number. Alternatively, it could be found in the boiler/airing cupboard.
Failing that, you can check with your site owner who will have record of the homes on their site, or you can check your purchase/legal documents from when you purchased your home.
Contents cover protects all the things in your home that aren't part of the structure or building. Personal possessions are items that you normally wear, use, or carry with you when you leave the home. Cover for your personal possessions is optional and can be requested when getting a quote.
If you are not sure what’s included, ask us when discussing your quote with us.
We have provided a summary of the key features of a new policy above. You will also have these sent to you when taking out a policy. 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 have requested a paper version, you will receive this via the post.
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. You can also call our specialist team to make any changes ahead of your renewal.
When you purchase your insurance, we will send your policy schedule in your welcome email or via post if you requested a paper copy, 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.
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 call us to inform us of any changes. Charges may apply.
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.
To inform us of any changes to your policy, you can call our specialist team.
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 an individual assessment over the phone with us, where we will ask you 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 park home?
- When the site flooded, did it affect your park home
- 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.
No, you need to live on a residential site to purchase our Park Home policy. If you do not live on a residential site, you may wish to get a quote on our Leisure Home policy.
Our Park Home policy is designed to cover for your permanent place of residence. If you live on a non-residential site which closes for part of the year, you could get a quote for our Leisure Home policy instead.
Policy Documents
For full details of the terms and conditions applicable, including any limitations and exclusions, please download the policy documents below:
See our range of cover
Read our park home insurance articles
02/08/2023
Buying a Park Home
Park homes are becoming increasingly popular, but there are differences to living in a standard property, so read our guide to see if one will suit you.
Read more13/11/2019
Five Common Park Home Claims
As an insurance company, we see lots of different types of claims that come in from our customers.
Read more01/12/2014
Home Care Emergency Assistance For Park Homes
Home care emergency assistance can help should disaster strike.
Read more03/05/2023
Park Home Insurance Buyer's Guide
We explain how Park Home Insurance differs from regular home insurance and provide some times to help you get the best out of your cover.
Read more23/08/2021
Settling Into Your New Park Home Community
You’ve bought your new park home and you’re ready to move in. We’ve put together some top tips that will help you to get off on the right foot.
Read more14/01/2022
Top Tips on How to Declutter Your Park Home
It’s a new year, and with it comes the perfect opportunity to declutter and reorganise your home. We’ve put together some top tips that will help you to do this successfully.
Read more03/07/2023
Preparing Your Park Home for Winter
When the days start to get shorter and colder, it’s a good time to check your park home is ready to protect you from the wind and rain.
Read more29/06/2023
Top Tips on Maintaining Your Park Home
Our top tips on how to maintain your park home. Prevent small problems from becoming worse with help from our simple guide!
Read more*Terms and Conditions - £50 M&S Voucher offer- Turners Parks
- The offer is open to all UK residents aged 18 years or over, except employees of The Ardonagh Group Limited or any of its group undertakings from time to time, their families, agents or any third party directly associated with administration of the prize draw.
- The promoter is Towergate Insurance (the “Promoter”).
- A £50 Marks & Spencer voucher is available to residents of Turners Parks who purchase or renew a park home policy over £250 either online or over the phone.
- This offer cannot be used in conjunction with any other offers or discounts. In addition, it is not available on the Towergate leisure or touring caravan products.
- The Promoter accepts no responsibility for entries not successfully completed due to a technical fault, technical malfunction, computer hardware or software failure, satellite, network or server failure of any kind.
- Cover is subject to your individual circumstances and our eligibility criteria.
- If you are eligible for the offer, the voucher will be issued to you by email, or post if an email address is not available, after 30 days on cover. If you cancel before you have been on cover for 30 days, you will not be eligible for the offer.
- Offer expires on 31/12/2025 but can be withdrawn or amended by Towergate at any time if it is necessary to do so. Policies purchased or renewed after this date will not be eligible for the offer.
- Policies purchased after this date will not be eligible for the offer. There is no cash alternative available, and we reserve the right to substitute a reasonably equivalent alternative, of equal value, should circumstances make this necessary.
- The Promoter reserves the right to hold void, cancel, suspend, or amend the promotion where it becomes necessary to do so.
- The voucher is non-exchangeable, non-transferable and no cash alternative is offered and we reserve the right to substitute a reasonably equivalent alternative, of equal value, should circumstances make this necessary.
- Insofar as is permitted by law, the Promoter, its agents or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by the negligence of the Promoter, its agents or distributors or that of their employees. Your statutory rights are not affected.
- Personal data supplied during the course of this promotion will only be processed as set out in the Promoter's privacy policy, which can be found at the Promoter’s website.