Dear All

Well the football on Saturday at Dagenham was an unmitigated disaster, a 5-0 loss, our keeper sent off (so our replacement was a guy who has played about 45 minutes of football in 7 years, so he’s that good!) and rain hit us even in the sponsors box, so my sisters birthday present was not a succesful one.

Still, the carvery lunch was excellent with Roast Pork, Yorkshires, Veg and 8, yes 8 roast potatoes for me! I honestly believe that relegation is a near certainty now as the confidence has gone and even the Captain looked downbeat.

Never mind I had Arsenal to cheer me up…not! But we had a quiet Sunday and now back at work to hopefully finish the month on a high. My 121 is this afternoon so that is always an opportunity to learn and to coach my staff as a result. Leaders can always learn more!!

The Cover4 Sales Team had an outing last week to the Excel Caravan Show and Crystal loved it so much so went back on Saturday in her free time! They will be undertaking a presentation to the Team at the next Team meeting so again even I can learn!!

Have a great day

Mike

PS quick birthday wishes to my Sister Caz who turns…older today!

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.

Sometimes, some people may become a little confused over terms such as static home caravan insurance, park homes and static caravans.

It probably has to be acknowledged that some insurance providers may use slightly ambiguous terms to describe different forms of caravan use but hopefully the discussion below will help you understand the issues and the form of insurance cover you may require.

Different uses

Although there are many different forms of caravan, typically only two are ever used in the context of the word home – these are park homes and static caravans.

Insurance providers typically see a significant difference in the risk profile of somewhere that you occupy permanently as your normal place of residence and somewhere else that may be used occasionally during the year for holidays or other recreational activities.

Therefore, although you may occasionally describe your static caravan as your home away from home, an insurance provider may see the use of the word home as meaning permanent occupation.

What this means is that typically in insurance terminology, a park home is regarded as your permanent place of domicile and as such your home, whereas a static caravan is not a home and cannot be occupied on a permanent basis under the terms of typical static caravan insurance (the same may apply for touring caravans and touring caravan insurance).

Two forms of insurance cover

As a result of the above, insurance providers may typically use the definition that:

• a static caravan requires static caravan insurance (even if you wish to refer to it as static home caravan insurance) but typically this will not cover permanent occupation of caravan as your main place of domicile;

• a caravan you occupy as your permanent place of residence may require park home insurance.

Some complexities arising with static home caravan insurance

It may not be safe to presume that if you decide to live permanently in a static caravan (e.g. pending the building of a new house) that park home insurance will necessarily cover your situation.

The reason for that is that park home policies may contain certain requirements of the site that your caravan is based on, such as it being formally licensed as being suitable for permanent occupation by the local authorities.  That may be something that might not apply in situations where you were living permanently in a static caravan on a private field site.

At times, your own position may be complicated and you may not immediately be able to see which category you come into – something that may explain the confusion of terminology in static home caravan insurance.  It that is the case, we would be only too pleased to offer our expertise in helping you understand which form of caravan cover may be appropriate.

Park home insurance quotes typically cover circumstances as follows:

• a park home is typically defined as being your normal and permanent place of residence;

• in that sense, it is significantly different to a static caravan which, in insurance terms, is typically seen as being a caravan used for a few weeks each year for recreational and holiday purposes;

• given the very different nature of the usage of a parkhome versus a static caravan, there are significantly different forms of insurance for each;

• it is important not to confuse the two and if you have a parkhome then you will typically need to look for parkhome insurance quotes;

• insurance providers may apply other conditions relating to the definition of a parkhome as opposed to a static caravan, for example, the sites of both parkhomes and static caravans may need to meet certain conditions before insurance will be effective;

• if you are looking for a cheap caravan insurance quote, it may pay to remember that the two forms of cover are not interchangeable and you cannot choose to use one policy type based upon whichever appears to be the lower cost;

• the owner of your site may have the right to require that you have adequate insurance (typically relating to third party liability cover) but they may not have the right to insist that you purchase it from them – you may find that your own insurance options prove to be more cost-effective;

• your quotation may be affected by a number of factors including things such as the value of your contents, the value of your property itself and the nature of your site – if your park home is located somewhere with a known vulnerability to flooding then you may find that your premium is higher as a result (you may also find that the policy is subject to special conditions and/or exclusions);

• occasionally, some types of situation fall into what may be called a grey area between the definitions of static caravan versus parkhome – if you feel that is the case with you, we would be happy to offer assistance in helping you decide whether you need to look for parkhome insurance quotes.

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.