You may have selected a lifestyle that includes living in a park home but are perhaps a little confused as to what park home insurance actually is.
Park home insurance and static caravans
One of the perhaps more common questions that may arise is why there is insurance for park homes but also for static caravans – what’s the difference?
In reality, the difference is clear.
Park home cover is essentially residential caravan insurance. In other words, an insurance provider will presume that you are occupying your park home as your permanent and normal place of domicile.
It will typically be on a registered and approved park home site that the local authorities accept is suitable for permanent occupation. You may be on the local electoral register at that address and be eligible to pay local council taxes etc.
A static caravan by contrast, is typically not regarded as your place of normal residence. It will be a recreational facility used by you for things such as holidays etc – and typically for just a few weeks or months per year.
As such, static caravan insurance is not typically regarded as requiring residential caravan insurance.
The difference
This isn’t just an academic distinction as the differences between the two forms of occupation may justify different forms of cover.
For example, in a park home, you may have significant levels of furnishings and potentially higher-value contents than may be the case in a caravan you occasionally use for holidays. That overall higher value may need to be covered and park home cover insurance may be more appropriate.
For this reason, you may typically find that static caravan insurance won’t cover your permanent occupation of a static caravan.
Points to note with park home cover
The insurance provider may need to be clear that you have a park home, as defined by their conditions, rather than a static caravan.
That may involve you being sure that your dwelling resides on a site that meets certain criteria, such as those mentioned above.
It may also be important to ensure that you understand any conditions in the policy relating to location.
For example, some policies may not cover sites where there is a known flooding risk or that do not have on-site supervision and attendance. It is important to ensure that you understand all such conditions of a park home insurance policy. However, should you require any clarification on any aspect of your caravan cover, then we will be only too pleased to assist.
