Park Home Insurance
Complete Protection for Your Park Home
Specialist Park Home Insurance protecting your residential home against flood, storm, and fire risks. Includes new for old contents replacement and property owners' liability as standard.
New for Old Contents Cover
We cover the full cost to replace your contents as new, rather than just paying their current market value.
Personal Possessions
Cover for accidental loss or damage to your property in the UK, and up to 90 days elsewhere in the world.
Alternative Accommodation
If damage makes your home uninhabitable, we cover the cost of temporary accommodation while repairs are made.
Family Legal Protection
We provide financial support of up to £100,000 per claim to help you and your resident family protect your legal rights.
Park Home Liability
We include cover for your legal liability as the owner of the park home and its land up to a limit of £5 million.
Hassle Free Claims
No complicated forms to fill in. Simply call our team directly and we can process your claim over the phone.
Get A Quick Quote
Need to manage your policy, add a new one or make changes?
Use our customer portal.
Why Mark Bates Ltd?
Mark Bates Ltd is built on a commitment to exceptional customer service, a supportive people-first culture, and a drive to offer innovative, customer-focused insurance products that stand out from the rest.
More than 22,000 customers have reviewed us on Trustpilot, with an average score of 4.8 Stars, that's first class service!
Sales, customer service and claims all sit in our Grantham head office. When you call, you speak to someone who knows your policy.
Our policies are designed around the equipment, homes and working arrangements our customers have, not adapted from general cover.
FAQ
Pay in full by debit or credit card, cheque, postal order or bank transfer (BACS). To pay monthly, call one of our advisers.
To make a claim, call our claims helpline on 01476 514471 or email us at [email protected] and we will take care of the rest. We fully appreciate that it is essential to resolve a claim efficiently and effectively.
For Park Home and Contents there is a £50 excess on each and every claim, increasing to £500 in respect of subsidence, heave and landslip. For Personal Possessions there is a £100 excess on each and every claim. For more information please see our policy wording.
Valuables are classed as jewellery, watches, gold, silver, precious metals, gemstones, furs, pictures, curios and other works of art and stamp, coin and medal collections.
No, this is only available in addition to the Park Home and Contents cover.
Yes, accidental damage is automatically included.
Standard home insurance typically covers brick and mortar properties. Park homes require specialist cover because they are constructed differently, using materials like timber frames and pre-fabricated panels. Our policy is designed to address these specific needs, covering risks that standard insurers exclude, such as:
- Non-standard construction repairs: Specialist tradespeople and materials.
- Site-specific liabilities: Public liability that covers the land your home sits on.
- Resiting costs: Coverage for moving your home if a total loss occurs.
- Comprehensive protection: Includes flood, storm, and accidental damage as standard.
Yes. In law, park homes are mobile homes and fall under the Mobile Homes Act 1983. They differ from other mobile homes in size and in how they're moved. Being classed as mobile doesn't mean your home has to move, only that it can.
Yes, the policy covers loss or damage caused by a wide range of standard perils, including fire, theft, storm, and flood. However storm or flood damage to gates, fences and hedges isn't covered.
If your home becomes uninhabitable following insured damage, the policy includes cover for temporary accommodation.
You are covered for temporary absences, but if your park home is unoccupied for more than 30 consecutive days, certain standard perils will not apply
Yes, the policy includes Family Legal Protection. This provides financial support up to £100,000 per claim to help you and your family protect your legal rights. It also covers your legal liability as the owner of the park home and its land.
Yes, the basis of settlement for contents is the full replacement cost of replacing all items as new.
It is vital to choose the correct insurance based on how you use your home:
Park Home Insurance: For residential homes where you live year-round. This covers you for permanent residency, including alternative accommodation if your home becomes uninhabitable.
Static Caravan Insurance: For holiday homes used for short breaks. These policies often have restrictions on how long the property can be occupied continuously.
Our policy is specifically designed for residential park homes located on licensed sites.