Park Home Insurance

Specialist in Residential Park Home Insurance from a specialist with over 25 years experience. 

 

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Residential Park Home Insurance

Our teams have decades of experience in residential park home insurance which has allowed us to develop our own policy wordings tailored to the specific needs of residential park home owners. This means that you get the right park home insurance cover for your needs at a competitive premium.


Extra Cover Included

We include lots of extra cover that many competitors either don't offer or sell you separately as an expensive add on. Our residential park home insurance policy automatically includes cover for up to 25% of your structure sum insured for Loss of Use or Alternative Accommodation, £30,0000 Personal Accident, £5m Public Liability and £10m Liability cover for Domestic Employees.


Discounts for Careful Owners

We like to reward those residential park home insurance customers that take care of their park homes and go the extra mile to keep them safe. Discounts are available for Security Devices and Association Membership. On top of that we allow up to 25% No Claims Bonus.


Flexible Cover

Not everyone wants the same park home insurance cover options so we allow you to tailor the policy to suit your needs, this also keeps the price down as you're not paying for cover you don't want.

If you just want to cover the park home itself then you can do just that and we offer both New for Old and Market Value options. You can then choose to cover Contents, Personal Possessions or Legal Protection and you can protect your No Claims Bonus once you have 5 years claim free. 


Payment Options

We accept all major credit cards and we also offer monthly instalments.

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Key Policy Features

  • New for Old and Market Value cover options for your park home.
  • Up to 25% of the structure sum insured for loss of use or alternative accommodation.
  • £5m Public Liability cover included.
  • £10m Liability cover for domestic employees.
  • £30,000 Personal Accident cover included.

Discounts Available 

  • Security Devices.
  • Association Membership.
  • Up to 25% No Claim Bonus.

Options Available

  • New for Old cover for caravan Contents.
  • Personal Possessions away from the home.
  • Legal Expenses Cover.
  • Protected No Claim Bonus.
  • Pay Monthly available subject to status and minimum £85 plus IPT.
  • Cover for Hot Tubs and Woodburners.

    See the Policy and Insurance Product Information Document for full details of cover and restrictions.

Take out legal expenses cover for only £15

Residential Park Home legal expenses insurance helps you with a number of areas not covered by your caravan insurance policy. Our legal expenses insurance arranged through Arc Legal Assistance Ltd will cover a legal advisers’ costs to help you pursue or defend a claim in these situations: 

  • Contract Disputes - Up to £50,000 of advisers’ costs to pursue a legal action following a breach of a contract you have for buying or renting goods or services or selling goods in connection with the caravan, this includes buying or selling the caravan.
  • Personal Injury - Up to £50,000 of advisers’ costs to pursue legal action for financial compensation for damages against those whose negligence has caused you an injury.
  • Property Damage - Up to £50,000 of advisers’ costs to pursue legal action for financial compensation for damages against a person or organisation that causes physical damage to your caravan.
  • Personal Identity Fraud -Up to £25,000 of advisers’ costs to defend your legal rights and take reasonable steps to remove County Court Judgments against you that have been obtained by an organisation that you are alleged to have purchased, hired or leased goods or services from.
  • Employment Disputes - Up to £10,000 of advisors costs to pursue a legal action brought before an Employment Tribunal against an employer or ex-employer for breach as
    an     employee of your contract of employment or legal rights under employment laws.
  • Available for just £15 when you take out or renew your policy with Noble Caravan & Leisure.

Important: exclusions apply, for full details see the Legal Expenses Policy wording.

Quote and buy online or call us on 01492 534524​​​​​​​

 

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Caravan & Leisure Insurance
for over 25 Years

We understand that your touring caravan, folding camper, static caravan, holiday lodge or park home represents a significant investment so your peace of mind is important to us.

You can relax in the knowledge that should you need to claim that you are in the hands of an expert team who care.

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Park Home Insurance FAQs

We offer both levels of cover. You can insure your park home for its market value (what it would be worth if you were to sell it) or you can also choose New for Old (subject to the age of the park home) where it would be replaced with a new one of the same or nearest similar model in the event that yours is written off.

If the caravan is beyond repair, the insurer typically offers a payout based on its market value or if insured on a new for old basis you would receive a brand new park home up to the sums insured on your schedule.

In most cases flood cover is included automatically. However, in areas at high risk of flooding you may have a higher excess or in some cases flood cover may not be available.

No, our Residential Park Home policy is customers who live in the Park Home as their main residence. 

No. Our Residential Park Home insurance does not cover any form of letting.

Yes, we offer cover for older Park Homes but New for Old cover is only available if your Park home is 20 years old or newer when you take out your policy with us. If it is less than 20 years old you will keep your New for Old cover for the lifetime of the policy, regardless of age. If your Park home is 21 years of age or older when you take out the policy then we only offer Market Value cover.

Outbuildings, sheds, and garages are covered under our policy as long as they are on the same plot as the Park Home itself. Their value should be included in the sum insured for the Park Home structure. 

You can make a claim by calling us or by signing in to our Customer Portal. You will have been sent a link to sign in when you purchased your policy, if you don't have the link then call us.

You must read your Residential Park Home insurance policy for the full list of exclusions. No policy covers everything and it is important to remember that your insurance policy does not cover maintenance, breakdown or any claims caused by wear and tear or maintenance related issues. 

Personal Possessions cover for items you take away from the home is available as an optional cover. This can cover things like portable electronic devices, watches, jewellery, pedal cycles etc. Higher value items may need to be specified.

Yes. We offer a monthly payment option which is subject to status.

Yes, we include £5m public liability cover and £10m employers liability cover for injuries to domestic employees.

Part of the Noble Insurance Group

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