Cheap park home insurance cover

There may be a temptation to look for cheap park home insurance.

There is nothing wrong with that approach. On the contrary, nobody likes to pay more than they have to for anything, including park home insurance.

What you may need to bear in mind though, is that selecting cheap park home insurance on price alone may not give you the cover that you want. Cheap is pretty much in the eye of the beholder – what is cheap for you may not be cheap for someone else.

When considering insurance, it may be more relevant to consider the cover that you are looking for first and then look at the price of the park home insurance on offer that can provide that level of protection.

Park versus static

One thing that you need to be clear about at the outset is that the insurance industry considers park homes and static caravans to be two very different propositions.

There is no disputing that some of the larger statics and some of the smaller park homes may look similar. From an insurance point of view though, their use is of more importance than their appearance and there the difference is clear.

A static caravan typically:

• is where you spend periods of time on holiday;
• may have long periods of being empty;
• probably contains fewer and less valuable personal possessions and contents;
• may be fitted out to a lower standard;
• may be let out to others to holiday in.

On the other hand a park home typically:

• is your permanent home;
• may be furnished and fitted to a higher standard;
• may contain all of your valuable belongings and personal possessions;
• is located on a registered park home site.

Shortfall

There may be the thought that you could save money on your park home insurance if you bent the facts a little and bought static caravan insurance instead.

The trouble is though, that if you did ever have to make a claim then you could find out that
the static caravan insurance cover may fall very short indeed. You may find yourself having to dig deep into your own pockets to sort out your position.

Only you can decide what constitutes cheap park home insurance but it may be advisable to avoid thinking that price alone is the only consideration.