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Underwritten by Aviva Insurance Limited

Park Home Insurance made simple

Build the perfect policy for your park home

  • UK customer service team
  • Building and contents cover
  • Dedicated claims team
  • Underwritten by Aviva

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What is park home insurance?

Park home insurance is a form of financial protection that covers park home owners against the various risks associated with park home ownership.

Owning and living in a park home has tons of benefits, such as lower running costs and an increased sense of security, but like anything—it’s not without risk.

For example, things like theft, fire, and damage are risks associated with owning a park home. However, park home insurance is specifically designed to protect against these.

Why choose Ripe?

Create your own policy

This specialist park home policy has been designed so that you can add the cover you require to your policy quickly and easily. This means you never pay for cover you don’t need.

Backed by the Ripe Guarantee

Insurance that takes good care of you with great cover, exceptional service at our best price. Click here to find out more.

Building and contents cover

Cover your park home including fixtures and fittings up to the value of £500,000 and contents up to the value of £75,000.

What does our park home insurance cover?

What's covered

  • Buildings cover up to £500k

Cover your park home including fixtures and fittings up to the value of £500,000

  • Theft, Fire and Flood Damage

Cover against damage caused by theft, fire or floods up to £500,000

  • £5m Public Liability

£5m Public Liability cover is included as standard, protecting you against the risk of any claims for injury to another person or property damage

  • Money

Provides cover of up to £250 for theft of money from inside your home

  • Theft and loss of keys

Covers the cost of replacing locks on your home if the keys are lost

  • Frozen food

Covers the loss of food that needs to be replaced should your freezer stop working

  • Vermin cover

The policy covers damage to your home caused by common pests including rats and mice

 

What's optional

  • Contents cover up to £75,000

Choose to cover the contents of your park home up to £75,000

  • Accidental damage

Provides cover for the accidental damage of the building (e.g. windows, walls, etc.) and its contents (e.g. carpets, electrical items and upholstery)

  • Valuable items cover

Cover for valuable items such as jewellery, antiques, portable electronic equipment and works of art worth £1,500 or more

  • Personal Possessions including cycles

Choose to add cover for personal possessions such as sports equipment

  • Specified items away from home

Choose to specify individual items you want to cover away from your park home

  • Protected no claims bonus

Protect your no claims bonus in the event you make a claim. This option is only available if you’ve built up at least three years of no claims bonus with any provider

  • Home emergency cover

Provides help to resolve situations where your park home becomes unsafe or insecure or if there is risk of further damage to the home

  • Mobility scooter cover

Provides cover for theft, loss and damage to your class 2 or class 3 mobility scooters and powered wheelchairs while in and away from the home

  • Insurance for hot tubs

Provides cover for damage to hot tubs when left outside of the park home, including damage or loss caused by storms or theft. Inflatable or wood fired hot tubs are not covered

  • Increase excess

Choose to voluntarily increase your excess up to £500 to reduce the cost of your policy

What's not covered

  • Wear and tear

We cannot cover loss or damage caused by decay, wear and tear (natural and predictable damage which happens over time or due to normal use), moth, insects, gradual weathering, atmospheric or climatic conditions, wet or dry rot, fungus, domestic pets or damage caused gradually

  • Freezers over 10 years old

We don't cover loss or damage to frozen food if your freezer was more than 10 years old at the time of loss

  • Unattended personal possessions 

We can't cover theft or loss of personal possessions left unattended while away from home

  • Mobility scooter theft 

We don't cover againt theft while away from home unless the mobility scooter is secured to an immovable object with a security chain or is inside a locked building

  • Mobility scooter liability 

We don't cover liability arising from the use of any mobility scooter which is registered for road use

For more information about what isn’t covered under the terms of our park home insurance, please read our insurance booklet.

Why should I consider park home insurance?

If you live in a park home, it’s important that you have insurance that reflects your different needs as a park home owner compared to a traditional homeowner.

For example, let’s say a bad storm hits and causes severe damage, or you find yourself in a legal dispute with your site owner. Without the right park home insurance, events like this could leave you substantially out of pocket.

Not only are you understandably protective of your park home, but you know better than anyone that repairs can be expensive should anything go wrong. So, while there’s no legal requirement to have park home insurance, you run the risk of suffering serious financial loss by not having it.

How much does park home insurance cost?

The cost of your park home insurance depends on several factors, such as the monetary value of your park home, where you live, and the level of cover you choose.

For a more accurate picture of what your cover could cost, get a personalised quote here.

Why do I need park home insurance?

If you live in a park home, you’ll want to ensure you and your home are protected—in the same way you’d want standard home insurance in place for a bricks-and-mortar home.

Living in a park home can be very different to living in a traditional home. It also carries different risks, so you need cover that reflects those differences. Without it, you could be left substantially out of pocket.

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice but your friends could make some great savings too!

Find out more

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your online account.

Park home insurance FAQs
  • Is park home insurance compulsory?

    • No, park home insurance is not compulsory. However, you run the risk of suffering serious financial loss by not having a policy in place.

    How much should I insure my park home for?

    • How much you choose to insure your park home for is up to you and will depend on the full cost of rebuilding your home to the same specification, plus any additional contents cover you may choose to include on your policy.

      Through Ripe, you can cover your park home, including fixtures and fittings, up to the value of £500,000 and contents up to £75,000.

    What are the different types of park home insurance?

    • With Ripe, you can choose the level of park home insurance you need. The following cover can be included on park home insurance policies through Ripe:

      • Buildings cover
      • Theft, Fire and Flood Damage
      • Public Liability
      • Theft of Money
      • Theft and Loss of Keys
      • Frozen Food
      • Vermin Damage

      You can also choose to include optional extras, such as Contents cover up to £75,000 and Accidental Damage to your building.

    How long can I leave my park home unoccupied?

    • With Ripe, your park home would be considered unoccupied you have not stayed there for more than 30 consecutive days or it is insufficiently furnished for normal occupation.

      Your park home must be your permanent residence and must not be left unoccupied unless agreed in advance by us in writing.

    Why is park home insurance important?

    • Park home insurance is important because it is designed to protect you against the risks associated with park home living.

      Life in a park home can be very different to that in a traditional home. It also carries different risks, so your cover should reflect those differences.

      Though there is no legal requirement to have park home insurance, you are running the risk of suffering serious financial loss without it, should something go wrong.

    Does my cover include a policy excess?

    • Park home insurance through Ripe offers various policy excess options, which you can view when you get a quote. More information about excesses can be found in the Insurance Schedule.

    What are classed as contents or personal possessions?

    • Contents are classed as household goods or items intended for use in or about the home that are not permanently fitted.

      Personal possessions are classed as property such as sports equipment, valuable items, clothing, baggage, bikes, or other similar items normally used outside the home.

      Further guidance on item classification can be found in the Ripe Park Homes Insurance Booklet.

    Do I have to pay for my policy upfront?

    • No. With Ripe, you do not have to pay for your park home insurance policy upfront in one lump sum—although the option to do so is there should you prefer. Alternatively, monthly payment options are available at checkout.

    Can you get a mortgage on a park home?

    • No, you can not get a mortgage on a park home. Instead, you must fund the purchase through alternative means.

      The most common ways park home owners do this include taking out a park home-specific loan, using a part-exchange finance scheme, or simply buying outright in cash.

      You can read about park homes and mortgages in more detail on our blog.

Help and advice

A complete guide to park home security

Here you’ll find everything you need to keep your park home secure, from choosing the right site to keeping your valuables safe.

Read our guide

Park Homes: the ultimate guide

Whether you’re actively weighing up the pros and cons of living in a park home now or perhaps some time in the future, we’ve got all the essential information you need to know.

Read our guide
7 February 23

7 essential tips for park home maintenance
9 January 23

Can you get a mortgage on a park home?
7 November 22

What are the pros and cons of living in a park home?
18 October 22

How to find the right park home site for you

What our customers say...*

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*We offer savings of up to 25% for new and renewing policyholders on their Park Home insurance premium for the number of years no claims and alarm installation. All relevant savings up to 25% will be applied to your policy and at renewal if circumstances remain the same.

**TrustPilot rating based on over 3,500 Ripe Caravans reviews as of 29th August 2023.

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