Insurance for Park Home owners

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

1 Building, contents, personal possessions worldwide, accidental and malicious damage may be underwritten by HCC International Insurance Company plc & HDI Global Specialty or Pen Underwriting.

2 For policies placed with HCC or HDI cover for unspecified valuables can be arranged up to a total of £15,000. For policies placed with Pen Underwriting cover for unspecified valuables can be arranged up to a total of £15,000, and is calculated based on 20% of your total contents cover threshold. If you set your total contents cover at £75,000, your unspecified valuables at 20% will be £15,000.

3 Home emergency cover is underwritten by Astrenska Insurance Limited, a trading style of Collinson Insurance Services Limited,  

4 Family legal expenses and key cover underwritten by ARAG plc, who are authorised to administer this insurance on behalf of the insurer ARAG Legal Expenses Insurance.

5 Home excess protection is underwritten by Astrenska Insurance Limited

6 We offer NAPHR and IPHAS members additional benefits when they take up a park home policy with either HCC/HDI or Pen Underwriting. For HCC/HDI policies, no excess applies to claims other than escape of water or oil (For park homes built between 2000-2024 escape of water excess of £500. For park homes built between 1990-1999 escape of water excess of £750. For park homes built between 1980-1989 escape of water excess of £1,000. For park homes built before 1980 escape of water excess £500). and claims for subsidence, heave or landslip (£1,000 excess applies) and accidental damage (£125 excess applies). The no excess benefit applies to any HCC/HDI park home policyholder (subject to postcode eligibility criteria) with a valid membership to the National Association of Park Home Residents (NAPHR) or the Independent Park Home Advisory Service (IPHAS), which needs to be provided at the time of the claim. Park home policyholders placed with Pen Underwriting will benefit from a 5% base premium reduction, excluding add-ons, when they mention their NAPHR or IPHAS membership during the quote process, subject to a valid membership to the National Association of Park Home Residents (NAPHR) or the Independent Park Home Advisory Service (IPHAS), which Pen Underwriting may request proof of.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.