FAQ’s

A structural warranty is an insurance policy designed to protect against defects in new park homes for a period of 10 years from the date is was manufactured.

The cover provided by the Platinum Seal Warranty includes:

Defects Insurance: You will receive defects cover for the first 12 months o cover. This provides protection against defects to all elements of your Park Home and is provided by your manufacturer.

Structural Insurance: This makes up the main part of your warranty and covers against structural defect issues after the defect period expires for a further 12 months and is provided by your manufacturer.

Liquidation Cover: Should your manufacturer not be trading and unable to fulfill their obligations for the first two-years of your Warranty, the Platinum Seal insurer will take on the responsibility of your manufacturer for Structural Defects only.

Extended Structural Defects Insurance: A further 8 years cover provided by the insurer of the Platinum Seal Scheme for Structural Defects.

A structural warranty is not the same as standard home insurance which is typically made up of building and contents insurance. Buildings insurance provides cover for damage to the property including fixtures and fittings like the kitchen and bathrooms as a result of fire, flood, storm etc. Contents insurance provides cover for loss or damage to personal belongings such as your TV, sofas and other valuable items as a result of fire, theft, flood etc.

A structural warranty on the other hand will only protect you against major defects resulting in damage to the actual structure of the building not general wear and tear.

Liquidation cover is cover provided for the first two years of your Platinum Seal warranty should your manufacturer no longer be trading. Liquidation cover then enables you to claim for structural defects within the first two years, of which the insurer of the Platinum Seal scheme takes the responsibilty of your manufacturer.

No, the manufacturer and the Platinum Seal Insurer will provide cover on any home on any park, as long as the home has been registered by the Manufacturer and you (or your Park Owner) has notified us of your occupation of the home.

Yes, just because your home is going on your own land doesn’t mean we cant provide you the same cover as long as you comply to the terms of the warranty. The Platinum Seal cover does not provide cover for the base of your home.

Unless the owner of your park (Park Operator) your park home is sited upon does this for you, you will need to complete the application form by clicking here. You must do this within the first year of ownership, and if you do not want to incur late registration fees it must be done within 90 days or you’ll incur late registrations fees.

It is your responsibility to ensure that your home has been registered with the scheme. The owner of the park may well have done this for you, but it is important that you ensure your home has been registered.

You can either make a claim using the online claim form on our website or by downloading a copy of the paper claim form and posting a completed copy back to us.

The process will vary slightly depending on what period of insurance your home is currently under i.e. the defects insurance period or the structural insurance period. This is because different defects may be covered under the defects period which will be rectified by your manufacturer than the structural insurance period. Where only major defects resulting in damage to the structure of the home will be covered.

Yes, there is a transfer fee of £50 applicable to the transfer as new documents will be issued to the new owner, however we will require evidence that the home has had all necessary maintenance carried out when it was due to be carried out.

All terms and conditions of the warranty must be followed in order to keep the warranty valid. The warranty does not cover defects as a result of a lack or maintenance or wear and tear.

Any faults found to a home within the first two years are the responsibility of your manufacturer and not of the insurer of your Platinum Seal Warranty. It only becomes of interest to the insurer If your manufacturer is no longer trading and therefore falls within your liquidation cover of your warranty.

Yes, however your warranty will not cover the work which was carried out as part of the modification or any defect caused as a result of the modifications carried out.

No, the warranty only covers the home itself, any defect to the base, skirt or paths are the responsibility of your Park Owner/Park Operator/Land owner.

The serial number in the unique number to your home issued by your manufacturer. This can be found on a plaque secured to the outside of your home, or it may be in your boiler cupboard or on the inside of your front or back door. It can also be found on your invoice or on your Mobile Homes Act Agreement.

You will need to complete a claims form, provide photos of the defects to your home, VAT receipts of all the maintenance carried out on your home. At this stage we will not require an estimate as we need to ensure that you are covered for the defects you are claiming for.