16,000 people protect their park homes with Lifesure, find out why
If you live in your park home for only part of the year, you will require different insurance to those who use a park home for holiday and leisure purposes and those who live in one permanently.
Please note that we are only able to offer insurance to park homes that are located on registered sites.
If you live in your park home on a full time basis, please visit our park home page for more information about that policy.
For the best possible price for your insurance, please telephone us on 01480 402460, or click on the request a callback button above. We will be delighted to call you back and go through your options.
“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
“I used to work for the Swinton Group for nearly 20 years, so am familiar with policy wordings. All the sections of the Lifesure policy have extremely good cover.
Far better than my existing one and £40 cheaper!”
Feefo independent feedback
- Liability to the public – Indemnity is covered in respect of injury to third parties, up to £5,000,000
- New for old cover for park homes
- Accidental damage, fire, theft, vandalism, storm and flood cover
- Friends and family use included (malicious damage and theft would be excluded)
- Loss of use and hiring charges cover up to £10,000
- Loss or theft of keys and replacement locks up to £350
- The park home can be used for hire and reward
- Escape of water / oil or frost damage to fixed water tanks, apparatus or pipes
- Personal accident cover up to £20,000
- Optional personal possessions cover up to £5,000 (a single article limit of £2,000 applies), including worldwide cover for up to 30 days
Full details of the features and benefits of the cover can be found in the policy documents.
Please note: Cover is only available in the UK
As with any insurance policy there are a number of exclusions that apply, including:
- The park home must be located on a registered site
- Mechanical or electrical breakdown or failure
- Depreciation, deterioration, manufacturing defects, wear and tear
- Loss, damage, costs or expenses caused by moth, mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot or any other gradually operating cause
- Any claim when the park home is being used for a purpose other than social, domestic or pleasure
- No cover for malicious damage / vandalism caused by you, your family / friends or permitted users
- Theft is not covered unless it is by forcible or violent entry to the home
- The park home must be anchored at 4 points or fully attached to the base
- You must adhere to any licensing and occupancy rules set by the site and /or local council
- When the property is unattended, all windows must be locked and doors secured with a minimum 5 lever mortice deadlock
- When the property is unoccupied for over 60 days all letterboxes or similar openings must be sealed shut
For full terms please refer to your policy document.
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
Sample documents for our partially occupied park homes policy can be downloaded here, along with the key facts.
PLEASE NOTE: We use a number of insurers to quote for various risks and depending on the individual risk, cover may vary. The sample policy wordings shown are only an indication of cover that may be available. To receive a copy of the exact policy wording applicable to your individual risk, please contact us on 01480 402460.
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.