Park Home Assist

Park Home Assist, specialist broker for park home and holiday lodge insurance

Park Home Assist is a UK-based, family-run insurance broker focusing on policies for residential park homes, holiday lodges and related vehicles. The firm has been operating since 2005 and, according to its own presentation, has more than 30,000 policyholders and twenty years of experience in the segment. It describes itself as one of the UK's leading providers of insurance for residential parks and leisure lodges.

Insurance products

The company's range covers various types of cover tailored to park homeowners and users of mobile accommodation:

• Residential park home insurance (main home on a park).
• Holiday lodge insurance.
• Car insurance for park home owners.
• Static caravan insurance.
• Motorhome insurance.
• Touring caravan insurance.
• Boat insurance.
• Holiday home insurance.
• Floating home insurance.
• Mobile home insurance.

Cover included in the residential park home policy

According to the published information, the residential park home policy includes standard cover designed for this type of home. This includes:

• Buildings up to £600,000, with new-for-old replacement regardless of the age of the home.
• Site clearance, transport and re-siting of the replacement home.
• Alternative accommodation and emergency kennel fees up to 25% of the buildings sum insured if the home becomes uninhabitable due to a covered cause.
• Contents up to £75,000.
• Valuables up to £20,000 inside the home.
• 10% increase in contents cover during the month before and after a special event or religious festival.
• New-for-old replacement of all contents, except bicycles and clothing.
• Unlimited freezer contents.
• £1,000 for lock replacement following theft or loss of keys.
• £1,500 for garden furniture.
• £5 million public liability.
• Damage caused by rodents (new cover).
• £7,500 for business equipment.
• £2,500 for theft from outbuildings or garages.
• Money up to £1,000 in total or £2,500 in a safe.
• Credit cards up to £5,000 in total.
• Water leak detection up to £5,000.
• £2,500 for oil and water escape from a meter.
• Bicycles inside the home up to £1,000.

If the policyholder lives permanently at the address, the following are included at no extra cost: accidental damage during a move, jury service up to £25 per day with a maximum of £1,500, and up to £5,000 for contents temporarily removed for full-time education (limited to £1,000 per single article, pair or set).

Optional cover

The company allows the policy to be extended with additional cover, including:

• Accidental damage to buildings and contents.
• Valuables and personal possessions away from the home.
• Bicycle insurance away from the home.
• Mobility scooter insurance, with £5 million public liability.
• Money and credit cards away from the home.
• £50,000 legal protection, including disputes with the park operator.
• Home emergency insurance.

Discounts and benefits

The company offers discounts based on various factors, such as up to 20% no claims discount, 10% for over-50s, up to 20% at selected parks and discounts for newer park homes. It also offers £15 off renewal for recommending a neighbour, the option to pay in monthly instalments with no deposit and no additional charge for payment by credit or debit card.

Legal expenses included

The policy includes legal costs with solicitors from the insurer's panel up to £50,000 for claims relating to defective goods or services, compensation following an accident involving death or injury, employment tribunal, nuisance or trespass to the park home property, disputes with the park owner, damage caused by third parties, probate disputes and defence against breach of contract for goods sold privately relating to the park home. It also includes liaison with credit reference agencies in the event of identity theft.

Customer service and awards

Park Home Assist emphasises that it does not operate as a call centre, so policyholders can always speak to the same person. The company has an in-house claims coordinator who manages claims. Its claims team received the Insurance Times Claims Excellence Award. In 2024 it was recognised with the Customer Experience Award at the British Insurance Awards; in 2022 it won Personal Lines Broker of the Year and the Customer Care Award; in 2025 it received the Feefo Platinum Trusted Customer Service Award; and in 2020 it was named UK Broker of the Year. The company attributes these awards to its customer service and claims handling.