Permanent mobile home insurance

moneymabel

Hi! Me and my partner live in  caravan which has been extended, cladded and has a slate roof so obviously now it's no longer mobile! It's not on a site, we live on some land owned by my partners parents. Im looking for insurance but can only find insurance for static caravan on park home sites or holiday vans. Any suggestions welcome, thankyou :-)

davidmcn

moneymabel said:

It's not on a site, we live on some land owned by my partner's parents.

Doesn't that mean they also own "your" non-mobile home?

moneymabel

Well they've unofficially given him the land, the van is registered as a separate dwelling,  eg we pay Council Tax etc 

davidmcn

Yes, but if it's a permanent structure attached to their land, then they own it. I'm not sure you've got an insurable interest, assuming you mean "buildings" insurance rather than contents or something else.

mavenmim

If that's true, can't the in-laws add it to their insurance, or get a policy to cover it? If so, the OP could pay the premium (or difference in premium).

davidmcn

mavenmim said:

If that's true, can't the in-laws add it to their insurance, or get a policy to cover it? If so, the OP could pay the premium (or difference in premium).

Yes, or stop the arrangement being "unofficial" and actually grant a title (or lease) to the OP/partner.

moneymabel

Thankyou! Yes never thought of that (doh!) Of course they will still own it, we will have to sort it out with them , thanks again!