Frequently asked questions on park home insurance quotes

Here are some questions and answers relating to park home insurance quotes – you may find them useful if you are looking for such cover.

What is a park home?
Insurers typically define this as a dwelling place that resides on a legally approved park home site.

The exact definition of legally approved may vary between policies but typically involves the local authority having licensed the site as being suitable for permanent occupation.

As that may suggest, a park home is also typically your main place of permanent residence and where you may be registered for local taxes and on the electoral roll etc.

How is this different to a static caravan?
A static caravan is typically seen as being used for a few weeks per year, for holidays and related activities.

Insurance providers may not regard static caravan insurance as being suitable for caravans that are occupied permanently as your normal place of residence.

There may be other points of distinction in terms of the differences between a park home and a static caravan.

Why do I need park home insurance quotes?
If you would like to have a degree of financial protection in the event that your park home and/or its contents suffer a serious problem, then you may need to have appropriate insurance in place.

The appropriate form of cover is park home insurance and you typically cannot use static caravan insurance to cover a park home.

Although there may be no legal requirement for such insurance, the site owners may require that you be covered by at least third party liability insurance.  If you have purchased your park home using any form of major loan, the lenders may also have required, in the loan contract, that you maintain adequate insurance on the property covering its potential full restitution.

Can I find a cheap caravan insurance quote for this sort of policy?
It may well be possible to find cost-effective and suitable caravan cover for your individual situation.  Keep in mind though that what may be important to you is the quality of the cover provided – what may prove to be very cheap and even suitable for someone else may not prove to be so for you unless it meets your requirements.

Shouldn’t I simply get park home insurance quotes from the site owner?
Some site owners may offer insurance and some may push you hard to accept their offering in this area.

They may have no absolute right to insist that you purchase your insurance from them and it typically is advisable to always look at a number of options for park home insurance quotes when you are considering purchasing such insurance.