Exactly what is a Mobile Home

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In English law static caravans, touring caravans and motorhomes and also residential park homes can all be referred to as mobile homes. However, each of the aforementioned 'mobile homes' have very different characteristics and present various kinds of insurance risk. It is important therefore to know what things to look and search for 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 insurance cover you need.

The legal definition of a mobile home is equivalent to that for a caravan. Broadly speaking, it covers "any structure designed or adapted for people to live in which is with the capacity of being moved from one place to another (whether when you are towed or when you are transported on an automobile or trailer) and any automobile so designed or adapted.....It does include twin units separately constructed and created for assembly on site, provided that the twin unit is physically capable of being moved when assembled (whether when you are towed or when you are transported on an automobile or trailer). The twin unit should 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 so mobile but can be transported on an extremely large low loader unlike a bricks and mortar house! Needless to say you may have seen this happening once 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, an owner may choose to move site.

When searching for insurance it is only the terms "park" and "mobile" home which are sometimes used interchangeably, basically a park home insurance policy may sometimes be labelled a mobile home insurance coverage.

The others 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, search for 'static caravan insurance' and so on.

There a big differences between covers for the different types of mobile homes.

For example park home insurance is 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 limit your usage to holidays for up to six months or 8 months in a year. A motorhome policy covers you for road risks including alternative 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 example storm, flood or fire it's quite costly to remove the damaged unit, and resite a new one (often by crane) and reconnect all the utilities.

When searching for https://staticcaravansalescumbria.com/best-sited-caravans-cumbria/ 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.

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Pub: 04 May 2023 14:40 UTC
Views: 570