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.
We cover the full cost to replace your contents as new, rather than just paying their current market value.
Cover for accidental loss or damage to your property in the UK, and up to 90 days elsewhere in the world.
If damage makes your home uninhabitable, we cover the cost of temporary accommodation while repairs are made.
We provide financial support of up to £100,000 per claim to help you and your resident family protect your legal rights.
We include cover for your legal liability as the owner of the park home and its land up to a limit of £5 million.
No complicated forms to fill in. Simply call our team directly and we can process your claim over the phone.
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Need to manage your policy, add a new one or make changes?
Use our customer portal.
Get in contact with on of our UK based customer service advisors.
Customer service is our priority.
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.
We put our customers at the heart of everything we do. With a 5-star Trustpilot rating, we’re committed to delivering on our promises and building long-term loyalty through service that exceeds expectations.
We foster a supportive and positive working environment where every individual is valued. By recognising strengths, understanding challenges, and investing in training and development, we help our team thrive.
We believe insurance should work better. That’s why we design innovative, accessible products with real value—always with the customer’s best interests in mind.
FAQ
You can pay for your insurance full by credit/debit card, cheque, postal order and BACS transfer. If you would like to pay in monthly instalments you can speak to one of our advisers.
To make a claim, call our claims helpline on 01476 514471 or email us at claims@markbatesltd.com 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.
To put it simply, yes. A park home is a type of mobile home. There are a few differences, however. From size to different requirements for ease of moving the home. With that said, though, the law states that Park homes are considered mobile homes and are covered by the “Mobile Homes Act 1983”.
Just because they are considered mobile homes does not mean that they necessarily have to be moved; just that they have the ability to be moved. This will ultimately give you more flexibility than a Brick and Mortar home.
Yes, the policy covers loss or damage caused by a wide range of standard perils, including fire, theft, storm, and flood. Please note that damage to gates, fences, or hedges caused specifically by storm or flood is not 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.