Giving you one less thing to worry about…
Choosing the right insurer to protect your mobile home or park home isn’t the most exciting thing to do, but as a homeowner it is one of the most important. We are here to give you help, advice and the right cover for your mobile home. To speak to an adviser, call 01480 402460 or click on the button above and we will call you.
In over 20 years of caring for park home customers, we’ve learned to make insurance as simple as possible. You can now enjoy our most popular extras ‘Home Emergency’ and ‘Legal Expenses’ as part of your standard policy. There’s no excess* to pay for NAPHR and IPHAS members, and if your circumstances are out of the ordinary, you can trust us to know the ins-and-outs of protecting your park home.
“They made the system so simple & straight forward. I’d already contacted other companies whose paperwork was fiddly. These guys guided me through quickly & effortlessly.“
Feefo independent feedback
“…the team did everything they said they would, great customer service. The advice given was precise and very helpful with my questions, great team. I will recommend Lifesure to my friends and neighbours.”
Feefo independent feedback
- No excess to pay in the event of a claim if you are a NAPHR or IPHAS member (excluding claims for escape of water or oil and subsidence)(see below for more information)
- Buildings cover up to £500,000 as standard
- Contents cover up to £40,000 as standard (additional cover available if required)
- Park home legal protection up to £50,000 – now as standard
- Home Care Emergency Assistance giving home emergency repairs (see below for more information) – now as standard
- Flood and water damage
- All contents are replaced new for old (except household linen/clothing over 2 years old)
- Full accidental damage cover for buildings and contents
- Personal possessions (all risks) cover away from the home
- £15,000 valuables cover
- £2,500 cover for theft from outbuildings
- £1,000 pedal cycle cover (additional cover available if required)
- £500 frozen food cover
- £1,500 money and credit card cover
- £1,000 for loss or theft of keys
- £100,000 alternative accommodation
- £10,000 fatal injury benefit
- £5,000 trace and access cover
- £5,000,000 public liability
- Subsidence and landslip cover
- Underground services damage
- Tenants liability cover
- Fast friendly service
- Option to pay by monthly instalments – no deposit necessary
- Policy underwritten by a leading insurer
- Park home Excess Reimbursement
- Key protection
You’ll have the peace of mind that your property and contents are properly protected and should you have to make a claim you’ll be pleased you chose us as your insurance partner.
“I would like to put on record how impressed I have been with the prompt and excellent way you have handled my claim. On Boxing Day I had a call from the Lifesure manager to see if there was anything they could do which was very re-assuring. I am delighted to inform you that all the work is now complete and I can once again get on with my life. Please convey to your staff how very grateful I am for all the help and guidance I have been given during this very stressful time.” Mr Dalton – Nidderdale flood, December 2015
“Just had a small claim with Lifesure handled quickly and effectively, a neighbour had a major inside flood recently causing £1000’s worth of damage he was pleased with them as well.” John Parkhomeforum.co.uk
“When I called your office I was feeling quite stressed, but everyone was so helpful and within a short time of informing you of the burglary, we had been contacted by Evander Locks & Glazing regarding the damaged window and the jewellers regarding the stolen jewellery.” Client in Worcester
Your park home insurance policy may contain words or phrases that you are unfamiliar with.
To read an explanation of our park home insurance and what the different terms mean, please click here.
As with any insurance policy there are a number of exclusions that apply, including:
- Wear and tear
- Gradually operating cause – meaning anything which happens gradually, including deterioration and wear and tear
- Electrical or mechanical breakdown
- Faulty workmanship
For full terms please refer to your policy document.
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
Please visit the park home insurance policy documents page to see sample documents for all of our park home insurance policies.
You will also find copies of the legal policy wording.
Home Care Emergency Assistance is included as standard with your park home insurance.
This cover gives you the peace of mind that should emergency repairs be required to your property, a qualified contractor will be sent out to you. Under your policy the following emergencies are covered:
- Burst pipes or sudden leakage that is likely to cause damage to your home or contents
- Failure of your water supply
- Failure of your electricity supply (on the domestic side of the supply authority’s main fuse)
- Blockage, breaking or flooding of drains or sewers
- Failure of your hot water heating
- Breakdown or failure of your heating system
- Inoperable toilet, including breakage of the internal mechanism with the cistern, providing it is the only toilet in your property
- Your home being made insecure due to failure or damage of the external locks, doors or windows
- The roofing, down-piping or guttering failing and further water damage being a likely result of the failure
- An infestation of rats, mice, wasps and / or hornets
Please note that as with all insurance policies terms and conditions apply. We would recommend that you read the policy document for more information, which is available here.
Lifesure customers who are NAPHR or IPHAS members do not pay an excess on their insurance in the event of a claim. This applies to all claims excluding escape of water or oil and subsidence.
For more information on becoming a member of either NAPHR or IPHAS and the excellent work that these organisations do, please click on the links below:
Most household insurance policies have a policy excess which means the policyholder has to pay the first part of a claim made under a household insurance policy.
Excess reimbursement insurance is designed to repay the policyholder the amount of any policy excess paid when making a successful claim under a household insurance policy.
This is an annual policy. The period of the contract is 12 months.
To qualify for excess reimbursement insurance the policyholder must be named as policyholder on the household insurance policy.
This insurance only applies if there is an excess under a household insurance policy. Excess reimbursement insurance applies only to own personal insurances. It will not include any commercial insurances of any nature unless it has been agreed by insurers and stipulated in the insurance schedule.
What is covered?
If the policyholder makes a claim under their household insurance policy the insurer will reimburse the policyholder the amount of any excess that the policyholder had to pay subject to:
- The claim under the household insurance is successful, was more than the excess amount and happened during the period of insurance of their excess reimbursement policy.
- A claim can be made more than once during the period of insurance but the maximum amount paid in any one year is £250.
What is not covered? (Significant exclusions)
There is no cover if the policyholder was aware at the start date of cover that a claim under the household insurance policy was going to be made.
There is no cover within the first 30 days from the inception date unless this insurance was taken out at the same time as the household insurance policy.
There is no cover if no excess was paid or deducted from the claim settlement by the insurer of the household insurance policy;
There is no cover if the claim under the household insurance policy was not successful or was for less than the amount of the excess.
Key protection cover is an optional extra that can be added on to your insurance.
Many insurance policies include key protection, but the advantages of this product include:
- 24/7 emergency helpline
- No excess to pay
- You won’t lose any no claims bonus accrued through your main policy
- It won’t count as a claim against your insurance
- All keys on the fob are included whether they be car, home, caravan or motorhome etc.
- Larger maximum claim limit of £1,500 – most policies are capped at around £500
For full details about the cover, please visit our key protection page.
Park homes are left unoccupied for a number of reasons – some planned (during refurbishment or renovation or while the owner is at a second property), some unexpectedly (awaiting probate; when the owner is hospitalized or taken into a nursing home).
Most household insurance policies do not cover your property if it is empty for a period of time, usually between 30 and 60 days, or if the owner has vacated the home without any plan to return in the foreseeable future. This insurance protects you where a standard insurance policy would not.
Please follow this link to our unoccupied park home insurance page for more information.
For more information about our partially occupied park home insurance, please follow the link.
We have a library full of articles and practical advice that we have written for our customers on a variety of park home topics – from practical advice to lifestyle.
The park home advice library can be accessed here.
There are a number of terms used in your policy that may be unfamiliar, or you may want a greater explanation of some of the details. Please click here to read more.
What is a park home?
A park home is a detached bungalow-style home. It is however, not constructed of bricks but has a timber frame and is constructed in a factory and is delivered to the park home site. Park homes are raised off the ground and usually enclosed by a brick surround. Park home sites are privately owned often by an individual, a family or by a company, who are in charge of looking after the site maintenance. The homes are situated on pieces of land known as plots or pitches. Whilst you may own the home, you do not own the land that it sits on and you will need to pay a rental fee, usually monthly, to the site owner.
In law, they are known as ‘mobile homes’ and are covered by their own legislation – the Mobile Homes Act 1983, as amended by the Housing Act 2004, and more recently the Mobile Homes Act 2013 (in England) – there are also legal provisions in Wales, Northern Ireland and Scotland.
Modern park homes are well insulated and have double glazing, central heating and energy-efficient boilers, meaning that they can often be cheaper to heat than a more traditionally built home. The homes are built to comply with British Standard BS3632, which specifies the health and safety standards to which they must comply. There is enormous flexibility in design, layout and size and some manufacturers will allow you to specify the layout and furnishings that you would like. A park home usually has between one and three bedrooms, sometimes with an ensuite, plus a sitting room, dining area, fully fitted kitchen and bathroom/s. Most have manageable gardens and plenty of parking spaces; some have garages. Park homes purchased direct from the manufacturer are usually fully furnished and will be ready for you to move straight into including appliances, soft furnishings all furniture and carpets etc., although you can opt for part- or un-furnished. Park homes are connected to all of the usual services that you would expect in a bricks and mortar property, including water, electricity, gas – which can be bottled, in individual tanks or piped in (sometimes it is Liquid Petroleum Gas), telephone, drains and sewers.
Who lives on the parks?
Some parks will stipulate a minimum age in which you can live on the park with some allowing residents as young as 45 years old, but the majority of park home sites are for older or retired residents.
Do I need to get a survey done on a park home?
The choice is yours, but it is recommended that you get a full survey, just as you would with a bricks and mortar house. It is important that the surveyor gives you an opinion on the condition of the home, including the chassis and any repair work necessary.
How do I arrange insurance for my park home?
Insurance for residential park homes differs from that of traditional brick properties, primarily because of the way that they are constructed. As a result, many ‘home insurance’ providers do not insure park homes but specialist policies are available from companies such as us.
What are the advantages of living in a park home?
There are many benefits to living in a park home and we have written this article on our blog which hopefully will answer the question in more depth.
Are there other costs involved?
Just like living anywhere there will be the usual bills to pay, such as council tax (often Band A), water, electric etc. For more details on what you can expect please read our article on the benefits of park home ownership.
What does the ground rent cover and do I have to pay it?
As explained above, whilst you own your home, you do not own the land on which it stands. Therefore a ground rent is payable to the site owner every month.
This rent will go towards paying for the communal areas of the site, general site maintenance, any site staff, road repairs and street lighting, as the local council will not look after these.
How do I find a park?
There are several ways in which you can find the right park –
- The British Holiday & Park Home Association offer a park home and holiday parks guide as well as an online site for locating parks at ukparks.com
- The Park Home Living website is an excellent source of information and has an active forum
- The Park Home and Holiday Caravan magazine publish an annual book of all of the sites in the UK
Don’t forget to do your research! Our article on how to choose your perfect site will help you with the questions you need to think about.
Is there an organisation that gives advice to park home owners
The National Association of Park Home Residents (NAPHR) are a voluntary organisation. Many sites have residents’ associations where various literature and information may be available. Also, the Park Home Living forum or IPHAS are available online.
How do I set up a residents association?
We have written an article on setting up a park home residents’ association, which should answer any questions that you might have.