Overview

Our excellent Residential Park Home insurance policy is the result of 45 years experience in the market and is desgined to cover your residential Park Home, Chalet/Lodge or Static Caravan, your contents and even personal items you take away from your home.  We insure homes situated on both licensed residential parks and on private land. Our knowledge and experience of Park Homes and residential sites have allowed us to put together a superb insurance package designed with you in mind. Many features you may expect to pay for as an optional extra we include as standard. In addition to the features highlighted below, all of our policies also include Legal Protection cover.

Please note that, with effect from 28th September 2022, there has been a change of Insurer for this Policy and as such, some of the features listed below may differ from your Policy, if your cover began before this date.  If in doubt, please give us a call an we'll happily clarify your cover with you.

Key Features

• Essentials and Extra Levels of Cover Available

Our Essentials package offers excellent value for money, whereas our Extra package adds some additional benefits including accidental damage and personal items cover away from the home for a small additional premium.

• New for Old and Market Value cover available

Should your home be worth £25k or £500k, we’ll have a Policy for you.                

• Clearance, Delivery and Resiting costs included as standard

We cover these additional costs for you, whichever level of cover you choose, for no additional premium.      

• Cover for Outbuildings is included

Just make sure your Structure Sum Insured is high enough to cover your home and all its outbuildings.

• Alternative Accommodation

If your Park Home becomes uninhabitable.

And if you choose the Extra package...

• Accidental Damage Included

For both the Structure and the Contents of you home.

• Personally possessions cover away from the home included

For up to £10,000, with an unspecified individual item limit of £1,500.

• Bicycles and Mobility Scooters are included

For up to £1,500 each.

Insurance Guide

When you consider the construction of your Park Home compared to, say, a typical brick built house, the likelihood of significant damage from strong winds, hail and even flooding is significantly higher. What may be an inconvenient matter of replacing carpets in a house could be a write-off for a Park Home.

Here are a couple of suggestions to protect your home and choose the right insurance policy:-

• Keep your water system drained when leaving unoccied for an extended period. When leaving your home for an extended period of time, for example if you decide to go away for the fortnight, be sure that you turn the water off at the mains and ensure your water system is drained down, particularly over the winter months. Frost can cause pipes to burst in the home, which in turn will cause an escape of water and potentially significant damage to your home.
• Ensure that you regularly maintain your property. Insurance policies are not designed to cover wear and tear so it is important that you have your roof and other structural aspects checked regularly to ensure the home remains in a good state of repair. Similarly, regular plumbing and electrics/wiring checks are always recommended. Insurers may check that such maintenance work has been carried out in the event of a claim, so keeping receipts will always be beneficial.
• Consider Delivery and Siting Insurance.  Many Insurers will happily cover your home, however in the event of your home being damaged beyond repair, it is not just the replacement home itself that you need to worry about. Residential sites will almost always charge you to clear your plot of the debris from the old home and will charge you again to deliver your new home to the plot, site it and reconnect your services. If your home is located on your own private land, you will of course have to pay somebody to do this for you. Ensure that you're covered for these costs or you could find yourself significantly out of pocket in the event of a claim. Our Policy includes all of these additional costs as standard with no additional premium required.
• Understand the differences between a ‘New for Old' policy and an Market Value policy. Insuring New for Old means you need to make sure your home is insured for the cost to replace with a brand new equivalent from the manufacturer. Insuring on an Market Value basis means you are insuring your home for its current value on the open market. It is important to consider for both types of cover that the amount you insure for is just for the park home itself and does not take into account any increased value you feel the home may have due to its location. If you insure your home for more than it is actually worth you will almost always pay a higher insurance premium but with no additional benefits in the event of a claim. This is one of the reasons why we try to keep your premium as low as we can and do not insure your home for a blanket figure of, say, £500,000 like some of our competitors do.
• Ensure you know how much Liability Insurance your site requires.  The majority of residential site owners across the country will insist that your park home is insured for Public Liability cover and you may well find clauses in your contract with them to this effect. Pay particular attention to the amount your site asks you to be covered for. Whilst the liability cover offered by Insurers can vary, we provide £5 million cover as standard with all of our policies.

FAQ

How long will you cover my home New for Old?

If you're a new customer, we are able to offer New for Old cover for homes up to 25 years old.  If you're already with us, we may well be able to continue this cover for longer for you, provided you are maintaining your home in a good state of repair.

What should I do if I need to claim?

In the unfortunate event of you needing to claim under your policy, you should contact us a soon as possible and provide details of what has happened, when it happened and what losses/damages you wish to claim for. At this point your claim will be referred to the Insurers who will correspond directly with you going forward, ensuring everything progresses as smoothly and quickly as possible.

Our policy will insure your home when it is left unoccupied, providing it is not left unoccupied for more than 30 days at a time.  You should always advise us if you intend to leave your home for more than a couple of weeks, and it is always best practice to disconnect water, electricity and gas supplies. Certain perils under the policy will be excluded if you do leave your home empty for more than 30 days, details of which can be found in your policy booklet.

Can I cancel my policy?

You are entitled to cancel your Policy within the 14 day cooling off period, under which circumstances you will receive a full refund of the premium you have paid, less any administration fees charged for arranging your Insurance.  After this period, you are able to cancel your Policy and you will receive a refund of premium, less a proportionate deduction for the time you have been on cover and any administration charges.  We will also deduct the value of our clawed back commission.

Documents

If your Policy Start Date is prior to 28th September 2022

If you require a copy of your Policy wording then please give us a call on 01926 468 777 or email us at enquiries@mhis.co.uk

If your Policy Start Date is from 28th September 2022 onwards

Please download a copy of your Residential Park Home Policy Wording below.  Printed copies are available upon request.

Residential Park Home Policy Wording (pdf)

Lawshield Legal Protection Policy Wording (pdf) 

Optional Add-Ons:

ALPS Home Emergency Policy Wording (pdf)  

Please also find below a link to copies of our Terms of Business for your information. Should you require any more details that cannot be obtained from these documents, please give us a call and we will be happy to talk things through with you.

Terms of Business (pdf)

Get A Quote

Call 01926 468 777 for a quote or click the big green button to get us to contact you at your convenience!