An overview of park home insurance online

Here is a quick summary of the main characteristics of park home insurance online:

• park home insurance online typically provides cover for a park home – that is a form of dwelling place that you live in as your permanent and normal place of residence;

• as such, it is typically regarded as being quite distinct from a static caravan – something that you may only occupy for a few weeks each year during your holidays or long weekends etc;

• in order to meet residential home insurance definitions of a park home, your residence may need to comply with certain requirements of which perhaps the most commonly encountered might be the need for your site to be duly authorised by the local council (or equivalent) as being approved for permanent occupation – some policies may also require that the site is connected to all services and is under some form of permanent supervision;

• of course, an individual park home insurance policy may contain a number of other qualifying conditions which may need to be complied with – we would be happy to explain these to you if they are unclear;

• although at this time of the year it may not the at the forefront of your thoughts, remember that if you let out your park home during the holiday season then you may invalidate any existing insurance that covers it, as such cover may not apply in what is essentially a commercial situation – if you plan to do so, it may be advisable to take advice in advance, as to the insurance implications (as well as checking with the site owner whether you are actually allowed to let out your park home under the terms of your contract with them);

• park home cover, as per all forms of insurance, may vary in both price and cover detail depending upon the provider and policy you are looking at – it is always advisable to try and assess the suitability of the caravan insurance policy based upon its fitness for your purpose and the cover it provides, rather than merely its price;

• the cost of your park home insurance online may be significantly affected by the location of your site – if it is close to the coast or by a river and has a known history of flooding, then you may find yourself subject to higher premiums and possibly special conditions in the policy.