If you are looking for parkhome insurance, then you may wish to consider parkhome insurance brokers.

What is parkhome insurance?

Park homes are a form of dwelling place that are typically located on a formally constituted and local authority approved parkhome site.

Typically occupied on a permanent basis as your normal place of residence, such sites are commonly located in rural areas and the local authority approval is important because it must grant permission for the site to be used for permanent occupation.

Some parkhome owners have lived in the property for many years and have it furnished and decorated to a very high standard.

It is therefore understandable if they seek to protect their investment and their contents through the appropriate: form of insurance – which may be park home insurance.

Sourcing the cover

Some park homes site owners may suggest that it is mandatory to take their insurance.  In fact, that may typically not be the case and you may be better advised to look around for your own cover, which may be better suited to your needs and more cost-effective.

Some site owners may require an additional administration charge if you use your own insurance but it may still prove to be a more cost-attractive deal for you if you source your own.

You may, of course, simply contact individual insurance providers to obtain a lengthy series of your own quotations and then compare these in detail against each other.

You may find though, that parkhome insurance brokers offer a slightly more efficient route.

These organisations are typically specialists in the insurance marketplace and they may be able to speedily and efficiently match your requirements against a number of potential insurance providers.

That may not only save you money in terms of connecting you with suitable policy providers but it may also save you a considerable amount of time that you may otherwise spend in trying to obtain quotations from sources that are unlikely to be suitable for your situation.

Parkhome insurance brokers might be a source of information and a resource that means you spend less of your precious time involved in some of the complexities of trying to compare insurance policies.

A parkhome insurance quote may be necessary if you occupy your property on a permanent basis rather than as, say, a static caravan.

The following points may define elements of cover that you may wish to think about:

• to qualify as a parkhome, your residence may need to be defined as your normal place of permanent domicile and located on a site that the local authorities have designated as being suitable and authorised for parkhome occupation;

• some caravan insurance providers may also require that your site and property is fully connected to mains services and that there is some form of 24×7 site supervision and security presence;

• some companies may decline to offer you a parkhome insurance quote if your site is located in an area where there is a predisposition to flooding or exposure to serious geological risk (e.g. cliff top sites where erosion is commonplace) – if you do find cover for such locations, you may find that your policy will be subject to special terms and exclusions;

• residential home insurance is potentially different to other forms of caravan insurance cover in that your insurer may need to make allowances for the fact that your contents and fittings may be to a higher and more expensive standard – but they may also require that certain categories of item are excluded from cover (perhaps high-value items of jewellery etc);

• typical parkhome insurance may not cover you in situations where you have let out your property for the purposes of income generation and if this is something you are contemplating, it may be advisable to seek our advice and guidance before you do so – as well as checking with the site owner as to whether you can actually let out your residential caravan, as some sites do not allow this;

• if you have items external to your property, possibly including things such as awnings, satellite dishes and garden furniture, it may be advisable to read your policy carefully, as some of these may not be covered;

• remember that you cannot presume that your parkhome insurance quote will automatically cover any form of caravan located on any site, that you decide to move into as your permanent home – if that is your intention, once again you may require specialist advice regarding the insurance implications.

The question, what does parkhome insurance cover, may be best answered by looking at attributes of this important form of insurance protection:

• a parkhome is a form of residence that is located on a special site that has been designated by the local authorities as being suitable for permanent occupation;

• it is typically your normal home and permanent place of residence – for example, all of your possessions may be stored within it and you may be on the local register of electors etc;

• typically, the term parkhome defines a location and the way you use the property as your permanent place of domicile – parkhome insurance policies may not necessarily specify anything relating to the nature of the structure of the property itself, although some policies may require that it is permanently fixed into a location rather than on wheels and mobile;

• if you would like to know the answer to the question, what does parkhome insurance cover, a good starting place may be an online caravan insurance quote that applies to park homes;

• you may find that cover is relatively familiar, including things such as property and contents cover plus possibly third party liability protection;

• some residential caravan insurance policies may include cover for some external items, such as awnings, although there may be significant variation between policies on this subject;

• as you may perhaps expect, this form of insurance may bring with it specific terms and conditions, which will need to be complied with to avoid putting your cover at risk – examples might include the need to use specific security systems and to fully drain down water and heating systems if you are away on holiday etc;

• worthy of note is the fact that this form of caravan cover is separate and distinct from static caravan insurance – if you decide to start living permanently in a static caravan on private property or a static caravan park, it may not be safe to assume that parkhome insurance will necessarily be applicable;

• when seeking an answer to your question, what does parkhome insurance cover, if you feel your situation falls into a grey area, please do not be shy about getting in touch with us! We will be only too happy to offer our services to assist you in understanding what insurance may be appropriate.

Before starting to comment upon cheap park home insurance, it might be worthwhile clarifying that the term itself is understood.

Park home insurance

Although individual insurers may use different specific definitions, in principle, a park home is a dwelling place that is situated on a site licensed by the local authorities as being suitable for permanent occupation.

It is typically your permanent place of residence, as evidenced by things such as you being eligible for various forms of local taxation.

Some insurance policies may require that the site is fully connected to services and is under some form of permanent supervision and attendance.

Park home – what it is not

A park home is typically very distinct from a static caravan, in that a static caravan is typically occupied for just a few weeks each year while you and your family are on holiday etc.

There are typically distinct forms of insurance for both types of structure i.e. park home insurance and static caravan insurance.

Park home and static caravan insurances

Different forms of policy are required due to the fact that the risk profiles may be significantly different.

For example, a park home may have more expensive furnishings and fittings, given that it is your normal place of permanent residence, than a static caravan.

Cheap park home insurance

Many things may vary from one park home insurance policy to another, including of course, the price.

Although cheap park home insurance may be available, it is important to recognise that what may be more important to you in the event of a claim, is what the caravan insurance policy covers rather than price.

When looking at an online caravan insurance quote, it is very important to sit back and objectively review the cover a policy is providing before becoming too preoccupied with its price.  What may prove to be cheap to another caravanner may not prove to be cheap to you – and that is not something that you may wish to discover when you are trying to make claim.

The differences

Comparing carefully two park home insurance policies, may indicate differences between them that you may or may not consider to be factors that influence your assessment of its value for money.

For example:

• some policies may have strict exclusions on certain types of household contents, possibly including PCs, laptops, electronic gadgets or jewellery above a certain value etc;

• some policies may have significantly different terms and conditions relating to new-for-old replacement of your dwelling place should it be totally destroyed due to an insured risk etc.

It is only by studying the detail carefully and considering the advantages of one policy versus another in terms of the cover it provides, that you will be able to put into context any sort of thoughts relating to cheap park home insurance. Alternatively, should you have any questions relating to your park home cover, please feel free to get in touch – we will be more than happy to help.

Dear All

Well the Christmas shopping is all done bar the food thanks to my very efficient partner, she has organised everything to a military precision and this is because she is better than me at these things!

Whilst the Caravan season is over for the moment and our Renewals Team are working very hard at maintaining this area of the business. If you do have any queries our Team are available on freephone 0800 9707172.

I will be attending Dagenham’s game against Port Vale on Saturday for my Mum’s birthday, she recently went to see Paul McCartney at the O2 as another treat. She has been a fan of his for many years and I gather she really enjoyed herself.

It is also my father in laws birthday on Saturday and I hope he has a great day.

Well back to the grindstone

Mike