Residential Park Homes Insurance

RESIDENTIAL PARK HOMES INSURANCE

Quotation Assumptions

In providing this quotation we have assumed the following. If any of this is incorrect please contact us, as we may still be able to offer a quotation:

The residential park home is owned by the Proposer.
The home is located on a fixed site and connected to mains services.
The home is not used for any business or professional purpose.
The home is kept in a good state of repair, and will be so maintained.
The Proposer has not had a previous insurance policy declined, cancelled or declared void or special conditions applied.
Neither the Proposer nor any member of their family normally residing with them have ever been convicted of any offence other than a driving offence or any offence which is spent under the Rehabilitation of Offenders Act 1974.
The home is in permanent residential occupation solely by the Proposer or members of their family.
In respect of the risk to be insured the Proposer has not sustained any loss or damage or liability during the last five years whether insured or not.
The site at which the residential home is sited has not been flooded in the past 10 years. If it has we still may be able to offer insurance but terms may apply.
The Proposer has never been made bankrupt or been the subject of bankruptcy proceedings.

If you cannot agree to all of the above:-

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Complete the enquiry form below and let us make a recommendation.
Call us on 0845 345 1236

The Park Home should be insured for the cost of its brand new equivalent to include an allowance for site clearance, re-siting and delivery fees in the event of a total loss. The sum insured will be index-linked annually but should be checked to ensure that it remains adequate at all times. Note: the value of carpets, curtains and furniture often supplied with a new home should be deducted and insured as contents.

The policy provides New for Old cover on EVERYTHING, including clothing, linen and bedding. The sum insured should therefore reflect the cost to replace everything in the home as new with no deduction to reflect age, wear and tear.

The policy has two options, Standard cover and Extracover. The standard cover includes a certain amount of cover for accidents such as damage to televisions, audio and video equipment and computers, glass, windows, ceramic hobs and all sanitary fittings, e.g. toilets, sinks, baths etc. Wider cover is provided by the Extracover option such as the spillage of bleach or paint on a carpet

The standard cover is EXCESS FREE. You pay nothing in the event of a claim. There is a small excess of Ł25 on accidental damage claims under the Extracover section, a Ł15 excess under the cover for unspecified personal effects and clothing away from home and a Ł500 excess in respect of subsidence damage to the base.

As with all insurance policies there are certain and reasonable exclusions. We exclude damage by domestic pets and vermin, storm damage to fences, gates and hedges, the gradual effects of weathering, wear and tear, war, terrorism, sonic bangs and pollution/contamination. If the home is unoccupied for more than 30 consecutive days further exclusions will apply, you must contact us in such situations.

You can pay in full by cheque, in full by debit/credit card or by 10 monthly instalments by Direct Debit, subject to a credit charge.

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Residential Park Homes Insurance

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If you cannot agree to all of the above:-

Return to quotes.

Complete the enquiry form below and let us make a recommendation.

Call us on 0845 345 1236