Park Home Insurance

Park Home Assist are one the UK’s leading providers of competitive and comprehensive insurances specifically designed by Lloyd’s insurers for owners requiring Residential Park Home Insurance, Mobile Home, Leisure Lodges, Static Caravans (Holiday Caravans) and Touring Caravan insurance.

Why choose Park Home Assist...

Park Home Assist Insurance is one of the largest specialist providers of Park Home and Holiday Lodge Insurance, with over 24,000 Park Home owners insured with our specially designed Park Home and Holiday Lodge policy.

Despite being one of the largest providers of Park Home Insurance, we are a family run and owned business, where we pride ourselves on our old-fashioned values where customer service and personalised service comes first every time. Yet you also have that added ‘peace of mind’ that the policies we provide is underwritten by certain underwriters at Lloyd’s Of London.

Contact us today and find out why 24,000 Park Home & Holiday Lodge owners choose us to insure their Park Home and Holiday Lodge.

Park Home Insurance


Exceptional cover for you and your home


Underwritten by certain underwriters at Lloyd's

Up To £500,000 Buildings Cover As Standard

Up to £60,000 Contents Cover as Standard

Freezer Contents Cover As Standard;

£5million Public Liability Cover As Standard;

Optional Accidental Damage Cover Available

Optional Personal Possession Cover

Optional Mobility Scooter Cover



" The service I received was excellent. Very informative and covered all aspects required. The person I spoke to was very friendly and helpful "

Mrs P, Coalville


" I found them to be very, very good knew exactly what they were talking about. I would certainly recommend them. "

Mr L, New Haven

Park Home Insurance Details

At Park Home Assist Insurance Services, all our advisers are well trained in Park Home Insurance, and all of them pride themselves in both the professional yet personalised service our policyholders receive, which is probably why so many of our policyholders are only too pleased to recommend us to friends and neighbours.

Our 10 years’ experience of providing Park Home Insurance as well as the other Park Home related products we provide, means that although we understand the Park Home Sector, probably more than any other Park Home Insurer we are never complacent and we always know there is room for improvements and change. We like to believe that with our range of Park Home Services, we have become the ‘One-Stop-Shop’ for Park Home Residents. We continually review the cover we provide to see how this can be improved upon, as well as listen to our Policy Holders, and get very excited when we announced more enhanced cover and service.

Using our fast and efficient park home quotation request system, with just a few easy to answer question, one of our Park Home Consultants will contact you to provide you a personalised quotation to match your requirements.

Should you wish to read our policy in detail, you can do so by clicking on the Documents Tab to find out more.

Park Home Insurance Discounts

  • Up To 20% No Claims Discount Available;
  • Over 50’s 10% Age Discount;
  • Up To 20% Selected Parks Discount;

Park Home Insurance Benefits

  • Park Home Buildings Cover Up To £500,000 As Standard
  • Site Clearance, Transportation and Re-siting of Replacement Home As Standard
  • Park Home Contents Cover Up To £60,000 As Standard;
  • (All Contents are replaced new for old except household linen and clothing)
  • £500 Freezer Contents Cover As Standard
  • £5million Public Liability Cover As Standard
  • Optional Accidental Damage Cover On Buildings And/Or Contents
  • Optional Valuables & Personal Possessions Cover Away From The Home;
  • Optional Pedal Cycle Insurance Cover;
  • Optional Money & Credit Card Cover;
  • Optional £50,000 Legal Protection Cover
  • (Including cover for park operator disputes)
  • Optional 12 Months Instalment Facility (At small additional charge)
  • No Additional Charge For Payment by Credit or Debit Cards

Park Home Insurance FAQ's

Questions about insurance policies from Park Home Assist

Yes, we can give you up to 20% no claims discounts. We also offer an age discount of 10% for anyone aged over 50 buying our Park Home Insurance.

At Park Home Assist, we currently insure 1 in 5 Park Homes in the UK, so chances are, yes, we do. In fact, for some Parks we offer a 20% discount on Park Home insurance as we know them so well.
We find that all our customers need slightly different things from their Park Home insurance policy, and whilst we try to cover every question online we find it’s better to talk you through the Park Home insurance policy and answer your questions directly.
You can ask us to ring you, or, if you prefer, you can call us directly. When you call 01604 946 796, you’ll get straight through to one of our advisers who’ll take you through a Park Home insurance quote to insure your Park home.
Yes, if you call us for a quote on 01604 946 796 Monday to Friday from 9am to 5.30pm or on a Saturday 9am to 1pm we can sort out your Park Home insurance cover out for you there and then.
You can find all our claims numbers on our Contact us page. The number for Park Home insurance claims is 0344 856 3810, we’re here 9 am to 5.30 weekdays and 9am to 1pm on Saturdays. Outside of these times you can leave a message with your name and a contact number and we’ll call you back.
Yes, you can, we’ll give you £15 off your Park Home insurance renewal premium for every friend you recommend. You can find out more here. Just let us have your friend’s email address alongside your own details and once your friend has taken out an insurance policy with Assist Insurance Services, we’ll put a credit of £15 against your Park Home insurance renewal with us next year.
Full terms and conditions can be found here.


Your questions about taking out an insurance policy with Park Home Assist

No, we offer flexible payment terms on our Park Home insurance policies, you can opt to pay with 12 monthly payments. Ask about our payment terms, when you call us for a quote on 01604 946 796.
No, we don’t charge you extra to use your cards to pay for your Park Home Insurance policy. We accept all major credit and debit cards and we don’t charge you extra to use either.
It’s very easy to sort out, get your friend to tell us your email address by completing the form here, you’ll then get an email. Click on the link in that email and enjoy £15 off your quoted premium.
Park Home Assist is part of Assist Insurance Services Ltd. We launched in 2005 and we specialise in providing insurance to the Leisure industry. We not only cover Park Homes, we also cover both touring and static caravans, motorhomes, marine, cars (owned by Park Home owners), and Holiday Homes.
We are still owned and run by husband and wife team, Claire and Steve Leech.
All insurers are regulated by the Financial Conduct Authority, however, when your policy is underwritten by a Lloyd’s underwriter you have the added peace of mind that even if they do go out of business then the Lloyd’s market take on the risk and will settle any claims for that insurer. You don’t get this extra level of security from non-Lloyd’s insurers.
We use one of Lloyd’s largest underwriters for our Park Home insurance policies, Sompo Canopius.


Questions you may have about covering your Park Home

Yes, Residential and Leisure Park Homes are considered to be a ‘non-standard’ risk by insurance companies. This means that your insurance policy must state that it covers a Park Home specifically. If you think about it, your home is built out of marine plywood, metal and timber. These materials are very different to the standard bricks and mortar construction insurers are used to dealing with.
No, the base is the park owner’s responsibility. So, if the base suffers any damage (such as subsidence) it is their responsibility to claim or repair it, not yours.
You can use the insurance provided by your Park Owner, but they can’t insist that you do, in fact it is illegal for them to do so. The Park Owner is likely to need proof that your home is covered by an appropriate Park Home Insurance policy. We work with Park owners and Park Home manufacturers to make sure that our policies provide the right sort of cover for you.
Yes, we do cover older Park Homes. We don’t have any age restrictions on buildings listed in our policy.
Let us know when you speak to our advisor so that we can make sure you get exactly the cover you need.
Don’t worry about this as our Park Home insurance policy provides you up to £1/2million cover for your home (excluding its contents) and our policy also provides cover for site clearance, transportation and re-siting of your replacement home as standard.
In most cases, homes are repaired, however if your Park Home is damaged beyond economical repair we will replace it with an equivalent new Park Home. Our insurance policies also cover site clearance, transportation and re-siting as standard.
Yes, we do provide cover, however we may need to exclude flood from your policy. Call us on 01604 946 796 and we can check this for you.
If your Park Home is unoccupied for up to 30 consecutive days, that’s no problem. If you need to leave your home unoccupied for more than 30 days, you need to make sure that you have a responsible person to check your it, both inside and out, at least once every 30 days.
When your Park Home is left without an occupant for 30 consecutive days valuables are excluded from this insurance. If you leave your Park Home unoccupied between 1st November and 31st March (both days inclusive), if the home is left without an occupant for more than 48 hours you must ensure that the main water supply is turned off by means of a stopcock at the first available point of entry of the water supply to your Park Home. Where the home is left without an occupant for 14 consecutive days IN ADDITION all water tanks must be emptied by leaving both hot and cold water taps fully open.
If you wish to leave the water supply turned on between 1st November and 31st March (both days inclusive), you must ensure that:
The entire home benefits from a heating system being gas or oil fired central heating or a geothermal or full electric heating system (not night storage heaters), fitted with automatic controls and a separate thermostat. The system must be set to operate continuously for 24 hours of each day (not controlled by any timing device) and the thermostat set at not less than 10 degrees Celsius and, where fitted, the loft hatch door left open.
Or if the heating system as described above is installed and is additionally fitted with a ‘frost stat’ that is designed and installed to override all other heating controls, irrespective of their functional status, then this may be set to operate at not less than 4 degrees Celsius.


Questions you may have about covering your possessions

Unfortunately we are only able to provide Buildings and Contents cover and can’t insure building or contents on their own.
Often, when you buy a new Park Home, the manufacturer will include furniture and appliances in the cost of the home. However, when taking out insurance, these items are considered to be contents, so you should make sure that your contents cover takes this into account. Our policy provides up to £60,000 cover for the contents within your Park Home, which we find is more than adequate for most Park Home owners.
We define valuables as jewellery, furs, gold, silver, gold or silver-plated items and works of art (paintings and sculptures). We offer optional Valuables and Personal Possession cover which covers any item up to £1,000 without you needing to specify the item.
So, you need to specify any item that is valued at more than £1,000 when you add this cover to your policy.
Yes, we provide up to £1,000 in any one period of insurance for items such as garden furniture.


Your questions about making claims with Park Home Assist

Call us on 0344 856 3810. If you call outside of office hours, leave a message with your name and telephone number and we’ll get back to you. We handle all aspects of your claim over the phone, there are no forms to fill in.
You can find our contact numbers on the website at
Yes, our current standard excess is £100 for most claims on our Park Home insurance policies. It is £1,000 for subsidence claims.
No, but we do recommend that you do, as their work will be guaranteed for 12 months. It also means that all the hassle of sorting out job estimates and actually getting the work done is handled for you. Our repairers are skilled Park Home engineers, and we find them as the best type of repairer to carry out such repairs. Many of them used to work for Park Home Manufacturers. However if you want to use your own repairer, you may do so as long as their estimate for the repairs is acceptable.
All our claims are handled by an award winning Claims Company called Davies Group, who handle many large insurers claims. However, we also have our own in-house claims coordinator, who will be watching your claim and will ensure that your claim is handled with the utmost efficiency throughout. Our claims service was shortlisted and won a claims award in 2017.
Our Park Home Insurance Claims team won the Insurance Claims Excellence Award in 2017.

Residential Park Home Buildings & Contents Insurance Policy Documents

Please refer to the key facts and full policy wording documents to learn more about the comprehensive level of cover provided by our Park/Leisure Home Builidings & Contents policy:

PDF File Park Home Policy Summary Cover - Key Facts

PDF File Park Home Full Policy Wording

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Park Home Insurance | Terms of Business

This document details our service and our arrangements for dealing with your insurance. Please read it carefully and retain a copy for your records.
Park Home Assist Insurance Services, My Holiday Home Insurance and My Static Caravan Insurance are all trading names of Assist Insurance Services Limited. Assist Insurance Services Limited are authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 435530. Our permitted business is to arrange and advise on contracts of general insurance. You can check this on the Financial Services Register via or by contacting the FCA on 0800 111 6768.

The service we will provide you with
We undertake to provide you with clear information regarding the services and products before you buy. We will advise and make a recommendation for you after we have assessed your demands and needs. Our advice will be confirmed in a demands & needs and suitability statement, giving reasons for our recommendation. In respect of any policies purchased via our website and any Legal Expenses, Motor Assistance, Boiler and Multi-Appliance Breakdown policies, you will not receive advice or a recommendation from us and you will then need to make your own choice about how to proceed.

We will act on your behalf when sourcing a policy to meet your needs, however we are specialist scheme administrators acting on behalf of the insurer at all other times. Each product we offer is mainly dealt with by a single insurer who we have selected because of their commitment to service and competitive pricing.

The table below details which insurer underwrites each of our products and also which company is responsible for handling of claims:

Product   Insurer   Claims Handled By
Park Home Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Caravan Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Holiday Property Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Private Motor Insurance   KGM Motor insurance   Auto Accident Claims Ltd
Motorhome Insurance   KGM Motor insurance   Auto Accident Claims Ltd
Marine Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Speciality Ltd.
Home Legal Expenses Insurance   Administered by Arc Legal Assistance Ltd and underwritten by AmTrust Europe Ltd   Arc Legal Assistance Ltd
Motor Legal Expenses Insurance   DAS Legal Expenses Insurance Company Limited   DAS Legal Expenses Insurance Company Limited
Motor Assistance Insurance   DAS Legal Expenses Insurance Company Limited   DAS Legal Expenses Insurance Company Limited
Boiler & Multi-Appliance Breakdown   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Speciality Ltd.
Home Legal Expenses Insurance   Administered by Arc Legal Assistance Ltd and underwritten by Inter Partner Assistance S.A.   Arc Legal Assistance Ltd
Platinum Seal Park Home Structural Warranty Scheme   Assist Insurance Company Ltd   Assist Insurance Company Ltd

Our service includes advising you on our insurance products, arranging your insurance cover in order to match your requirements and helping you with any ongoing changes.

Our Administration Charges
In addition to the premium charged by the insurers we will make the following charges to cover our administration costs for these specified activities:

For Caravan, Park Home, Holiday Property, Private Motor, Motorhome, Marine insurance and Boiler and Multi-Appliance Breakdown (sold standalone).

  • Policy Administration Fee = £20.00
  • Mid Term Adjustments Fee = £10.00
  • Mid Term Cancellation Fee - Excludes Private Motor & Motorhome Insurance = £10.00
  • Mid Term Cancellation Fee – Private Motor & Motorhome Insurance = £25.00

Our Remuneration
In arranging insurance we receive a commission from the insurer. In addition there might be further remuneration based upon the amount and profitability of business placed with insurers and/or service providers over a specific period.

Your Right to Cancel
If within 14 days of either receiving your policy documentation, or the start of the period of insurance, you find that it does not meet your requirements you may cancel your policy by returning your documentation along with written instruction to Assist Insurance Services Ltd. Providing that no claim or incident likely to give rise to a claim has been submitted for;

Caravan, Park Home, Holiday Property, Marine Insurance, Boiler and Multi-Appliance Breakdown (sold standalone) Insurance we will refund the premium paid in full.

Private Motor and Motorhome Insurance a pro-rata charge will be made for the period of cover we have provided plus an administration fee of £25 excluding Insurance Premium Tax.

If you wish to cancel this policy after the first 14 days of receiving your policy or the start of the period of insurance and if there has been no claim or incident likely to give rise to a claim during the current period of insurance, we will calculate the appropriate premium for the period you have been insured and refund any balance due. In certain circumstances your insurer may repay part of your insurance premium(s) to us. Where the amount of refunded premium is less than £10 we reserve the right to retain this amount. If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance no premium refund will be given. Full details of the cancellation rights and charges can be found in the policy wording.

Our aim is to ensure that all aspects of you insurance are dealt with promptly, efficiency and fairly. At all times we are committed to providing you with the highest standard and services. However, if you should wish to make a complaint about our services, we have a formal complaints procedure. In the first instance you should contact us either in writing, by phone, fax or via our email address. Please address your complaint to:

Claire Leech - Director
Assist Insurance Services Ltd
Royal House
Newport Pagnell Road West
Northampton NN4 7JJ

Tel: 01604 946 785
Fax: 01604 687 559

Wherever possible we will endeavour to resolve your complaint by close of business the next day. If this has not been possible we will acknowledge your complaint promptly, in writing, with details of the individual who will be handling the matter in our office, together with a copy of our full complaints procedure. Where your complaint is in relation to our activities as your agent in arranging the policy or the credit to pay your premium, we will investigate your complaint and aim to provide you with a final response within 8 weeks, following which you may be entitled to refer it to the Financial Ombudsman Service if you remain dissatisfied.

If your complaint relates to our activities on behalf of Underwriters, we will fully investigate your complaint and write to you within 2 weeks with our response, or keep you informed as to why this has not been possible. At that time, if you remain dissatisfied with the outcome of your complaint, you have the right to refer this matter to the Policyholder and Market Assistance team at Lloyd’s who will then conduct a full investigation of your complaint and provide you with a written final response within 8 weeks. Details of the Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at: or from the address below:

Policyholder & Market Assistance, Market Services, Lloyd’s, One Lime Street, London EC3M 7HA
Telephone: +44 (0)207 327 5693
Fax: +44 (0)207 327 5225
If you remain dissatisfied after Lloyd’s has considered your complaint, you have a period of six months during which you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Insurance advising and arranging is covered for 90% of any claim, without any upper limit. For compulsory insurances e.g. motor insurance, advising and arranging insurance is covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme (FSCS).

We receive premiums as agents of the insurers. Therefore, once we have collected premiums for you, under the terms of our agreements with insurers, those premiums are treated as having been paid to the insurer.

How to make a claim
If you wish to report a claim or potential claim, please follow the instructions provided within your policy documentation, quoting your policy number or other reference given to you.

Disclosure of Information
You must take reasonable care to answer all questions honestly and to the best of your knowledge, and if you volunteer any other information, you must ensure that the information is not misleading.

If any information that you have provided to us changes before you take out your insurance, during the life of the policy or at renewal, you must inform us of the change.

If you deliberately, recklessly or carelessly misrepresent any information in relation to this insurance then your policy could be cancelled without refund, or treated as if it never existed, or your claim rejected or not fully paid.

All insurance policies contain Conditions and Conditions Precedent with which you must comply for cover to apply, and may also include Warranties which are very strict requirements that insurers have attached to your policy, based upon the risk details supplied. As such, failure to continually meet the terms of a policy Condition, Warranty, or Condition Precedent throughout the policy period could leave you without any insurance protection, and may give underwriters the right to void the policy in its entirety.

It is, therefore, vital that you read and understand the cover restrictions applicable to this insurance, which are contained in full within the policy document issued by your insurers, and notify us immediately if you cannot comply with them.

Your policy contains a number of technical terms, usually for reasons of precise meaning, which may not necessarily be easily understood. The British Insurance Brokers Association (BIBA) has produced a handy ‘jargon buster’ to explain the key words and phrases that you'll find in insurance documents, and a copy is available from or by contacting us.

Awareness of Policy Terms
When a policy is issued, you are strongly advised to read it carefully as it is the document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased.

Confidentiality and Data Protect Act
All personal information we receive about you will be treated as confidential and processed in accordance with legislation. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance and will not disclose any information to other parties without your consent, or where we are compelled to by law. In such instances personal information held by us may be disclosed to third parties on a confidential basis, and in accordance with the Data Protection Act 1998. Customers should be aware that insurers exchange information with each other through various databases to help check the information provided and also prevent fraudulent claims. Calls may be recorded for our joint protection and for quality assurance and compliance monitoring.

Assist Insurance Services Ltd would like to contact you with details of other products and services that might be of interest to you and to share your information with other carefully selected companies whose products and services we feel might interest you. If you would prefer not to receive this information please contact our customer service line on 01604 946 785 or write to the Data Controller, Assist Insurance Services Ltd, Royal House, Queenswood, Newport Pagnell Road West, Northampton, Northampton, NN4 7JJ.

Other Taxes and Costs
Other taxes or costs, or both, may exist in relation to the products and services offered by us which are not paid, or imposed by us.

Important Information Relating to Renewal of Policies
Prior to the expiry of your policy we will endeavour to issue a renewal invite providing details of the cost and terms to renew your policy. In order to protect your interests relating to the risks/property you have insured, and in the event that we do not receive your instructions and payment prior to the date of renewal, we reserve the right (but shall have no obligation) to renew your policy and (in the case of direct debit/instalment payments) to continue to accept payment from you unless and until you specifically notify us or your insurance company in writing that you wish to cancel your policy. In circumstances where we have assumed (in the absence of instructions to the contrary) that renewal is required you may be liable to make payment to us and/or your insurance company.

Law Applicable to Contract
You and we are free to choose the law applicable to this policy. Your policy will be governed by the law of England and Wales unless you and we have agreed otherwise.
It is recognised that these terms of business are binding on both sides by the sending and receiving of this document. Your acceptance of these terms of business does not affect your normal legal rights.


Park Home Assist Nominated For Two Insurance Times Awards


Following their success at the Insurance Times Claims awards, where they took the award for Customer Care Initiative of the year, Northampton based insurer, Park Home Assist, have been nominated for two further awards in the Insurance Times 2017 awards.

Read more

Recent News

Park Home Assist wins top insurance claims award

Insurance Times have announced the winners of this year’s Claims Excellence Awards and Park Home Assist, the specialist Park Home insurer have scooped the top award for their 2016 customer care initiative.

Read more

The World of Park and Leisure Homes show at Stoneleigh is always a great excuse to catch up with our old friends and customers. This year was no exception.Read more >
We’ll be at Stoneleigh again this year for the World of Park and Leisure Homes, with our staff on hand to help you with any questions you might have about your insurance..Read more >
The Insurance Times Claims Excellence awards 2017 shortlist has been drawn up, and Park Home Assist have made the grade thanks to their recent customer care initiative.Read more >
A major incident was declared by Devon and Cornwall Police in the early hours of this morning, following flooding at the Mill on the Mole residential park in South Molton.Read more >
Visit during Tingdene's Open Day and view the latest in park home and holiday lodge homes for 2017.
Tingdene's popular Open Day events are not just about viewing the stunning range of homes, there is much more to the day, and well worth a visit.Read more >
We all concentrate on the look of our homes when carrying out the maintenance, such as painting the outside, clearing the guttering, wiping down our UPVC windows and doors, but one of the most critical elements of maintaining a park home is the underneath. If that fails then this could cause significant damage to your home.Read more >
During these summer months, we all want to relax in our gardens, or go for those summer trips to the seaside, the hills, or visit our friends and family. But there is one very important job that should be done also this time of year. Read more >
We know that Summer is still with us, and we are still all enjoying the balmy nights, and hope that the colder nights are still some way off, however it won’t be that long before we all start thinking about whether our boiler will ‘fire-up’ when we need it to and will it get us through another winter without any unnecessary interruption. Read more >
Tingdene Parks are pleased to invite you to join them at Hazelgrove Park for their Autumn Open Weekend. Read more >
Tingdene Parks would like to personally invite you to join them at Ashwood Park in Wincham on Saturday 2nd July. Read more >
The main element of your park home and the overall structural integrity of your park home is the chassis that your park home is built on. Read more >
Park Home assist will again be in attendance at the World of Park & Leisure Homes Show in Stoneleigh, Warwickshire.Read more >

Have a question or like a quote over the phone?

Talk to an expert, call us 6 days a week. Monday to Friday 9am to 5.30pm Saturday 9am to 1pm
01604 946 796

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Get in touch with Park Home Assist