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.