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Insurance for park homes used as permanent residences and static holiday caravans and chalets. This insurance is not suitable for caravans being used off site e.g. being lived in during a self-build scheme. We can cover such caravans as part of our self-build insurance policy.
Minimum sum insured on property : £30,000
Minimum sum insured on contents: £ 8,000
Select cover you need: standard cover is 'new for old' , extra cover is 'accidental damage'
If you have a tile or tile effect roof the rate for standard cover is £2.70 per thousand and the rate for extra cover is £3.00 per thousand. i.e. £50,000 standard cover would be £135.00 and extra cover £150.00
If you don't have a tile or tile effect roof the rates are £3.80 or £4.10 respectively - £50,000 standard cover would cost £190.00 and extra cover £205.00
In either case the rate for contents is £4.80 per thousand (standard) or £6.50 (extra). Thus £10,000 contents cover would cost £48.00 or £65.00 respectively.
Pedal cycles can be covered up to £500 at a rate of £7.50 per hundred (minimum £15.00)
Money and credit cards up to £500 can be covered at a rate of £1.00 per hundred
Sports clothing can be covered at a rate of £1.20 per hundred
All risks cover can be added from £1,000 to £3,000 cover at a rate of £1.60 per hundred BUT individual items worth more than 20% of the sum you select must be specified (a valuation is needed for items over £1,500) - at a lower rate of £1.20 per hundred
Once you have a basic premium by using the rates above you can take up to 3 discounts
If either you or your partner are aged 60 or over : 10%
If you have mortise deadlocks/ window locks: 5%
NACOSS approved alarm under maintenance: 5%
(If you select a security/ alarm discount theft cover will be excluded unless the security is in place whenever the home is without an occupant)
You can now apply this discount to obtain a basic premium
Add on insurance premium tax (currently 5%) - you do this by multiplying by 1.05
Add on £15.00 for home care emergency assistance service (compulsory!)
If paying by credit card an additional £2.00 fee will apply (charged by wholesale broker not Portwoods!)
Alternatively - call us and we will discuss your needs and work out a quote for your Park Home Insurance policy
These rates do not apply for park homes or leisure homes that are not occupied for the year. We have available a policy to cover leisure homes less than 5 years old which are only occupied for at least 10 months. Please call us on 0191 4772231 for a free park home insurance quote.
As well as park homes if you need static caravan insurance we can quote for static caravan insurance and touring caravan insurance.For your cheap caravan insurance quote our caravan insurance quotes will also cover tourers.