Mobile home insurance UK

Mobile home insurance comparison, insurance on private land, Multiple quotes from panel of UK brokers

Static Mobile Home Insurance, UK

Mobile homes are an expensive investment that needs the correct level of protection. Compare the cost of mobile home insurance across a select panel of UK brokers by selecting the Get Quotes option and completing one online form. The process is quick, especially if you have you mobile home documents by your side. Unlike static caravans mobile homes spend more time on the road making proper insurance even more important with a legal requirement to have at least third party cover.

Having the proper mobile home insurance will help mobile homeowners protect their vehicles when they are both on and off the road. The right policy can not only provide protection for your vehicle and its contents, but the costs of emergency travel that may be needed following a claim.

When you are applying for your static mobile home insurance policy, the provider will require specific info about your vehicle in order for them to calculate a correct premium price. It will be virtually impossible for them to provide you with an accurate quote without this. This information typically includes:

  • The make and model
  • Number of bedrooms/berths
  • The size of your mobile home
  • Details of where you store it
  • How you use it or the purpose
  • The home’s security level
  • The size of your mobile home
  • The security levels at the storage location

Purchase the Correct Level of Insurance

When it comes to mobile home insurance, there are two common mistakes that are often made. These are over and under insuring their mobile home. The former simply means they are paying for policy features that they just do not need. The latter means that if they did indeed make a claim, that their policy may not even pay out.

Typical Policy exclusions

As is the case with any insurance policy, there are indeed certain things that your insurance company just will not cover under mobile home insurance. This will of course depend on the exact provider but here are a few of the most common exclusions.

  • Awnings
  • Mildew
  • Storm damage
  • Wear and tear
  • Trade use
  • Use as a permanent residence
  • Unforced entry
  • Vermin infestation or damage

How to reduce the costs of mobile home Insurance 

  • Over four thousand mobile homes are stolen each year in the UK alone. This of course affects mobile home insurance premiums. There are some steps you can take to help bring insurance costs down. With such a high figure do check before making a second mobile home purchase.

  • Alarm: Any type of alarm is no doubt going to act as a deterrent to any would be intruders. Anything - from warning sounds, flashing lights, or even a modern security system that’s controlled by a smartphone will help.

  • Wheel Locks: These will make your mobile home NOT mobile and virtually impossible to tow away, which will reduce the premium for mobile home insurance.

  • Hitch Lock: There are basically a cover that will prevent your tow bar from being attached to a vehicle again bringing down the cosy of mobile home insurance.
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