Exactly what is a Mobile Home?

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 completely different characteristics and present various kinds of insurance risk. It is important therefore to know what things to look and seek out 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 the same as that for a caravan. Generally speaking,  https://staticcaravansalescumbria.com/best-sited-caravans-cumbria/  covers "any structure designed or adapted for folks to live in which is with the capacity of being moved in one spot to another (whether when you are towed or by being transported on a motor vehicle or trailer) and any motor vehicle 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 by being towed or by being transported on a motor vehicle or trailer). The twin unit must be no more than 60ft long, 20ft wide and the living accommodation no more than 10ft (3.048 metres) high."(Source: Communities.gov.uk)

Some mobile homes such as static caravans and park homes are obviously not very mobile but can be transported on an extremely large low loader unlike a bricks and mortar house! Of course 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 the majority of their useful lives in a single place. Occasionally, an owner may choose to move site.

When shopping for insurance it is only the terms "park" and "mobile" home that are sometimes used interchangeably, quite simply a park home insurance coverage may sometimes be labelled a mobile home insurance policy.

The rest are pretty straightforward. Ultimately it's advisable to consider a specialist insurance policy specific to your kind of mobile home. When insuring a static caravan, search for 'static caravan insurance' etc.

There a large differences between covers for the various kinds of mobile homes.

For instance park home insurance is a residential policy which reflects you surviving in your park home full time and having all your worldly possessions kept within. Whereas touring caravan and motorhome policies frequently limit your usage to holidays for up to 6 months or 8 months in per 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 eliminate the damaged unit, and resite a fresh one (often by crane) and reconnect all the utilities.

When searching for an insurance policy the most 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.