In English law static caravans, touring caravans and motorhomes and also residential park homes can all be described as mobile homes. However, each one of the aforementioned 'mobile homes' have completely different characteristics and present different types of insurance risk. It's important therefore to know what things to look and seek out when insuring your touring caravan, static caravan, motorhome or park home. Hopefully this guide will decipher the jargon and leave you somewhat wiser as to what type of protection plans you need.
The legal definition of a mobile home is the same as that for a caravan. Generally speaking, it covers "any structure designed or adapted for people to live where is capable of being moved from one place to another (whether when you are towed or by being transported on a motor vehicle or trailer) and any motor vehicle so designed or adapted.....It does include twin units separately constructed and designed for assembly on site, provided that the twin unit is physically capable of being moved when assembled (whether by being towed or when you are transported on an automobile or trailer). The twin unit must be no more than 60ft long, 20ft wide and the living accommodation only 10ft (3.048 metres) high."(Source: Communities.gov.uk)
Some mobile homes such as for example static caravans and park homes are obviously not very mobile but could be transported on a very large low loader unlike a bricks and mortar house! Of course you might have seen this happening if you have driven on the motorway. Despite often having small wheels for slight movement into position during siting, park homes and static caravans spend all or most of their useful lives in a single place. Occasionally, Visit this website may choose to move site.
When shopping for insurance it's really only the terms "park" and "mobile" home which are sometimes used interchangeably, in other words a park home insurance policy may sometimes be labelled a mobile home insurance coverage.
The rest are pretty straightforward. Ultimately it's advisable to find a specialist insurance policy specific to your kind of mobile home. So when insuring a static caravan, seek out 'static caravan insurance' and so forth.
There a big differences between covers for the different types of mobile homes.
For instance park home insurance is really a residential policy which reflects you surviving in your park home regular and having all of your worldly possessions kept within. Whereas touring caravan and motorhome policies frequently curb your usage to holidays for up to six months or 8 months in a year. A motorhome policy covers you for road risks including third party liabilities. A static caravan policy covers you for famous brands debris removal, resiting and reconnection - obviously if your static caravan is destroyed by for instance storm, flood or fire it's quite costly to eliminate the damaged unit, and resite a fresh one (often by crane) and reconnect all of the utilities.
When searching for an insurance policy the most recognised terms are caravan insurance (aka 'touring caravan insurance'), motorhome insurance, static caravan insurance and park home insurance.
Caravan Guard Limited specialises in touring caravan insurance and motorhome insurance. Sister brand Leisuredays specialise in static caravan and park home insurance.