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Our policy is chock-a-block with features, based on feedback from owners just like you

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Key features of Lifesure’s park home insurance

Emergency Park Home Cover

Home emergency cover

Flood Cover Park Home

Flood cover for many in high risk areas (4)

Underwritten By Leading Insurer AXA

Underwritten by a leading UK insurer

Malicious Damage Insurance Park Home

Covers accidental and malicious damage

Park Home Legal Expenses Included

Legal expenses, including site disputes

Park Home Cover Up To 500000

Up to £500,000 cover for your park home

Why Lifesure residential park home insurance?

For three decades, Lifesure has been a trusted provider of insurance for residential park homes, so our Cambridgeshire-based team knows a thing or two about the circumstances you can face. Over this time we’ve tweaked our policy based on feedback from real people just like you, with advice from our friends at organisations like NAPHR and residents’ associations to boot.

We are now able to provide flood cover for many park homes in some of the highest risk flood areas in the UK, thanks to our adoption of the government backed scheme Flood Re4.

Many of our customers tell us our park home insurance offers everything they need, with our prices and good old-fashioned customer service just what they were looking for. In fact, that’s why we received the Feefo Platinum Trusted Service Award!

As well as our award-winning team of advisors at the end of the phone, we also offer MyLifesure, an online customer portal that displays your policy details and documents, when and where you need them. You can also send us secure messages. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s park home insurance cover?

We’re proud to say that our park home cover is chock-a-block with features. See for yourself how we could protect your home with our handy summary below. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply.

What's covered

  • Up to £500,000 cover for your park home1
  • Up to £15,000 cover for unspecified valuables in your home
  • 24-hour home emergency cover providing qualified contractors for emergency repairs (up to £500 per claim)2
  • Legal expenses, including park owner disputes, covered as standard3
  • Accidental and malicious damage cover
  • Flood cover available, subject to eligibility criteria, even in known flood risk areas4
  • Personal claims handling – the same handler from start to finish

What's not covered

  • Deterioration or wear or tear
  • Loss or damage to gates and fences caused by a storm
  • Accidental damage to buildings and contents by pets
  • Loss or damage caused by electrical or mechanical breakdown
  • Faulty workmanship
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Home excess protection5 We will reimburse you for the excess on your park home insurance policy following a claim on your park home insurance
  • NAPHR/IPHAS member?6 Don’t forget to tell us if you’re a member when you call for your quote, and we’ll ensure you won’t pay standard excess should you need to make a claim

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

1 Building, contents, personal possessions worldwide, accidental and malicious damage underwritten by AXA Insurance UK plc

2 Home emergency cover is underwritten by Intana, a trading style of Collinson Insurance Services Limited

3 Family legal expenses and key cover underwritten by ARAG plc, a coverholder of the insurer, ARAG Allgemeine Versicherungs-AG Branch UK

4 There is a cost for covering your park home against flood through the Flood Re scheme and, if you do need to make a flood claim, there is a minimal £250 excess. Not all homes are eligible for the flood cover through the Flood Re scheme. Subject to eligibility criteria

5 Home excess protection is underwritten by Astrenska Insurance Limited

6 For NAPHR and IPHAS members, no excess applies to claims other than escape of water or oil (£75 excess applies) and claims for subsidence, heave or landslip (£500 excess applies) and the Flood Re cover (£250 excess applies). The no excess benefit applies to any policyholder (subject to postcode eligibility criteria) with a valid membership to the National Association of Park Home Residents (NAPHR) or the Independent Park Home Advisory Service (IPHAS), which needs to be provided at the time of the claim

Flood cover in many high risk areas

Full park home policy information

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Park home
PDF 330.38 KB
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More information on Flood Re
PDF 161.78 KB
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Key cover insurance
PDF 222.18 KB
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Home excess reimbursement insurance
PDF 398.22 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card or credit card.

We advise our customers to prioritise the right level of protection for their park home over price. Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Not just old hats at park home insurance, did you know that we offer a whole host of everyday and leisure insurances, all under one roof? Our people are multi-skilled too, so they’ll be able to talk about all of your policies in the one go.

From car insurance to policies for motorhomes, we’ve brought together a collection of jam-packed cover so shopping around for what suits you is that little bit easier.

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