Overview of Park Home Insurance

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Premiums from £132.18

Our residential park home insurance gives you great park home insurance protection for your park home and contents, with generous cover for alternative accommodation if you have to move out following a claim. And you’ll be supported by friendly, experienced staff who are happy answer all your questions.

Key features

• ‘New for old’ insurance protection for life on everything 
• Discounts for over 60s and for tile-effect roofs 
• Generous alternative accommodation insurance cover
• 24 Hour emergency assistance
• Minimal excesses

Excess Options

Type of Claim	Excess
Standard cover	Nil
Personal Possessions away from the home	£15
Extended accidental damage	£25
Subsidence	£500

Main exclusions

• Frost and water damage when the home is unoccupied for more than 30 days
• Malicious loss or damage caused by people lawfully within the park home
• Damage caused by domestic pets or vermin
• Theft of money from the park home where there is no evidence of a forced entry

For more information on this policy, including all exclusions, please go to the 'Details & documents' tab.

Frequently Asked Questions

 

Here are some of the questions we are often asked. If you can’t find the answer to your question, please call us 0870 998 0281 and talk to our ever-helpful, expert team.

Details and documents

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Towergate Bakers’ park home insurance provides insurance cover for park homes on residential parks together with contents insurance.

Our ‘new for old’ cover for the park home and contents, including clothing and linen, can also provide for accidental damage and personal possessions when away from the park home.

We offer great discounts for mature policyholders and for park homes with tile-effect roofs, enhanced locks and intruder alarm systems.

Please phone our friendly staff for prompt advice and service. They’ll use their extensive knowledge to answer your questions or give you a quote. 

Key policy features

• Insurance cover for an extensive list of perils such as fire, storm, theft and flood
• ‘New for old’ insurance cover for the park home and contents
• Accidental damage cover for televisions, home computers, windows and sanitary ware
• Up to £300 cover for replacing locks if your home keys are lost or stolen
• £2m Public Liability insurance
• Temporary alternative accommodation insurance cover if your park home becomes uninhabitable after an insured loss 
• Contents outside the park home insured for a minimum of £350  
• Unlimited cover for freezer contents

Policy Documents

Residential park home insurance policy wording (PDF 424k)

Residential park home insurance policy summary document (PDF 64k)

Residential park home insurance factsheet (PDF 18k)

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Claims Process

Fast and fair claims

It’s easy to make a claim with Towergate Bakers. Our highly experienced claims team will support you throughout. And if required, our specialist loss adjusters are on hand to sort out your claim.

The process is simple

You call our dedicated claims team on 01242 528844 for immediate advice.

You fill out the claim form and get estimates for repair, where possible.

If necessary, we will send someone to inspect the damage.

We authorise repairs or pay you the value of your claim.

Case study

On a stormy March day, returning from a shopping trip, Mr and Mrs P were shocked to find that the roof of their park home had been torn away. They dialled 999 and the fire brigade were able to secure the roof temporarily, preventing further damage.

At 10.00am next morning Mr P phoned us to report the incident. We arranged for a loss adjuster to visit that afternoon. The adjuster also contacted a specialist repairer, who replaced the roof a week later.

The park home has now been restored to its former condition. Mr and Mrs P thanked us for our “kindness, professionalism and help in this stressful situation”, and for processing the claim “as quickly as possible”.    

Tips and advice

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Towergate Bakers were the first to offer an insurance policy specifically designed for residential park homes and have been providing insurance cover for over thirty-five years. So we are well placed to advise on the simple things you can do to reduce the risk of a claim in the first place.

 Here are some key tips:

• Make sure your property is fitted with smoke alarms. Check them regularly and replace the batteries every six months regardless of whether the alarm has been activated or not.

• Never allow strangers into your property and leave them unsupervised.

• Never leave expensive items on view and always lock your doors and windows when you are not in your property or have retired for the night.

• Always shred confidential documents or anything that includes your personal information before putting in your rubbish or recycling bin.

• Never use an open chip-pan – for frying chips a fully-enclosed deep fat fryer is far safer. 

• If you are going to be away from your park home for an extended period ask a neighbour to keep an eye on your property for you.

• If your park is not already part of a Neighbourhood Watch Scheme, why not suggest forming one with fellow residents?

• Contact your local police community officer about other things you can do to prevent being a victim of crime. Why not invite the officer to visit the park to talk to the residents association?