- You are here:
- Home »
- Mobile Home Insurance
Mobile home insurance
Need mobile home insurance?
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.
It’s a well-known fact that here in the UK there are many wonderful cities, beaches, mountains, and historical attractions. For this reason, there is absolutely no surprise that many folks here own mobile homes. When you own a mobile home, you are free to travel anywhere you wish, providing of course that you have the correct Mobile Home Insurance.
Having the proper insurance will help mobile home owners protect their vehicles when they are both on and off the road. The right policy can not only you 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 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
- How you use it or the purpose
- The home’s security level
- Details of where you store it
- The security levels at the storage location
Purchase the Correct Level of Insurance
When it comes to 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 later means that if they did indeed make a claim that their policy may not even pay out.
As is the case with most types of vehicle insurance, there are three levels of cover that are available.
- Fully Comprehensive : This will cover damage to your vehicle when you are the one that’s at fault.
- Third Party Only : This covers damage that you cause to the property of a third party or any injuries that they may incur.
- Third Party Fire and Theft: This will cover all of the above plus damage that is caused by theft or fire.
As is the case with any insurance policy, there are indeed certain things that your insurance company just will not cover. 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
Over four thousand mobile homes are stolen each year in the UK alone. This of course affects 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 Clamps: These will make your mobile home NOT mobile and virtually impossible to tow away.
Hitch Lock: There are basically a cover that will prevent your tow bar from being attached to a vehicle.