In English law static caravans, touring caravans and motorhomes and also residential park homes can all be referred to as mobile homes. However, each one of the aforementioned 'mobile homes' have completely different characteristics and present different types of insurance risk. It is important therefore to know what to look and search for when insuring your touring caravan, static caravan, motorhome or park home. Hopefully this guide will decipher the jargon and leave you somewhat wiser in regards to what type of insurance cover you need. The legal definition of a mobile home is equivalent to that for a caravan. Generally speaking, it covers any structure designed or adapted for folks to live where is capable of being moved in one place to another (whether by being towed or when you are transported on an automobile or trailer) and any automobile so designed or adapted.....It can include twin units separately constructed and created for assembly on site, so long as the twin unit is physically with the capacity of being moved when assembled (whether by being towed or when you are 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 for example static caravans and park homes are obviously not very mobile but could be transported on an extremely large low loader unlike a bricks and mortar house! Needless to say you might 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 searching for insurance it is only the terms park and mobile home which are sometimes used interchangeably, put simply a park home insurance policy may sometimes be labelled a mobile home insurance policy. The others are pretty straightforward. Ultimately it's advisable to watch out for a specialist insurance coverage specific to your kind of mobile home. When insuring a static caravan, search for 'static caravan insurance' and so on. There a large differences between covers for the different types of mobile homes. For instance park home insurance is really 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 very often curb your usage to holidays for up to 6 months or 8 months in per year. A motorhome policy covers you for road risks including third party liabilities. A static caravan policy covers you for the likes of debris removal, resiting and reconnection - obviously if your static caravan is destroyed by for instance storm, flood or fire it's quite costly to remove the damaged unit, and resite a new one (often by crane) and reconnect all the utilities. When searching for insurance coverage the most recognised terms are caravan insurance (aka 'touring caravan insurance'), motorhome insurance, static caravan insurance and park home insurance. Click for more Limited specialises in touring caravan insurance and motorhome insurance. Sister brand Leisuredays specialise in static caravan and park home insurance.
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