Park Home Insurance FAQs

Our park home insurance starts at just £205.80 per year. This includes buildings insurance, contents cover, £2 million public liability protection, and accidental damage as standard. Premiums may vary based on your park home’s value, location, and use. We take payment annually, with no hidden fees or finance charges.

Yes. Our standard policy includes buildings insurance up to £200,000. This protects the structure of your park home against damage from fire, flood, storm, theft, vandalism, and impact. Accidental damage is also included as standard.

Yes. Contents insurance is included up to £50,000. It covers your furniture, electronics, clothing, and other personal belongings against fire, theft, storm, flood, and accidental damage. Transit cover is also included.

Yes. We include up to £750 for garden plants in the event of loss or damage caused by an insured event.

Yes. The policy provides cover up to £2,500 for contents left in the open, such as garden furniture or outdoor equipment, as long as they are within the boundaries of your park home plot.

Yes. Contents stored in outbuildings like sheds or storage units are covered up to £2,500 against risks like theft, storm, or fire.

Yes. Our policy includes up to £5,000 of personal possessions cover for items like jewellery, handbags, and phones while you're away from the park home.

Yes. If your park home becomes uninhabitable due to an insured event, we provide up to £80,000 to cover the cost of temporary accommodation.

Trace and Access is included up to £5,000. It covers the cost of locating and accessing the source of a leak or other problem, such as underfloor plumbing issues.

Yes. We cover the cost of replacing locks and keys up to £750 if your park home keys are lost or stolen.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority. Our FCA firm reference number is 563348. We fully comply with UK insurance regulations.

We’ve been helping UK customers find reliable insurance since 2011. With over a decade of experience, we understand the needs of park home owners and offer flexible, dependable cover.

Yes. While not legally required, insurance is often a condition of your site agreement and essential for financial protection against fire, storm, theft, or liability claims.

The standard policy excess is £75 per claim. This is the amount you would need to pay towards any valid claim. Check your policy wording for full details.

Yes. Your policy remains valid during unoccupied periods, though certain terms may apply—especially over winter. Please review the conditions in your policy documents.

Yes. As soon as you complete payment, your insurance certificate and full documentation are emailed instantly. These are accepted by most UK park operators as proof of cover.

Yes, we offer pro-rata refunds if you cancel and have not made a claim. Contact us to process your cancellation—terms and conditions apply.

Yes. Fixed structures such as sheds, steps, and decking can be included under your buildings cover. Be sure to tell us about them at quote stage so we can reflect them in your policy.

Typical claims include storm damage to roofs, impact damage, fire, or vandalism. Your policy protects the structure and permanent fixtures of your park home.

Yes. £2 million public liability cover is included with every policy. It protects you if someone is injured or their property is damaged in connection with your park home.

Currently, our policies are designed for owner-occupied and family use only. Letting to paying guests is not covered.

Just contact us. We can update your policy to reflect your new park or location and issue revised documentation as needed.