Securing Your Mobile Home in France with Macif
A guide to campsite insurance requirements and Macif’s tailored mobile home cover — from baseline Civil Liability to premium Confort protection for fixtures, fittings, and outdoor installations.
Owning a mobile home (mobil-home) provides a perfect gateway to relaxing getaways, but protecting your investment against unexpected storms, water damage, or break-ins is essential. In France, mobile homes occupy a unique legal space — they are treated as static dwellings rather than standard road vehicles. Because of this, standard car or touring caravan policies will not provide the protection you need.
The Campsite Mandate: Is Insurance Compulsory?
If you site your mobile home on a holiday village, leisure park, or campsite, the site owner will almost certainly mandate that you carry valid insurance before you can pitch or occupy your unit. This requirement protects the community: if a fire or a major plumbing leak originates in your unit and spreads to a neighbour’s property, your Civil Liability (responsabilité civile) coverage ensures that the resulting repair costs are completely covered.
Presenting a valid insurance certificate (attestation d’assurance) to the park management is usually an annual requirement to maintain your pitch agreement.
Macif’s Specific Mobile Home Coverage
Rather than forcing a standard residential home policy to fit, Macif provides explicit protections designed for the realities of modern mobile homes. This specific cover safeguards the structure itself, the fixtures inside, and your outdoor amenities.
| Coverage Tier | What is Protected | Best For |
|---|---|---|
| Économique | Essential safeguards: Fire, explosion, severe weather, natural disasters, and mandatory Civil Liability. | Meeting baseline campsite requirements affordably. |
| Équilibrée | All baseline risks plus theft protection, vandalism, and electrical surge damage for internal appliances. | Regular personal use and safeguarding valuables. |
| Confort | Premium protection including accidental damage cover for fixtures, fittings, and glassware. | Complete peace of mind and higher-value mobile homes. |
Did you know? Macif’s specific mobile home policies also cover permanent external installations linked directly to your unit, such as custom wooden decking, awnings, and detached garden sheds within your pitch boundaries.
Documents Required to Set Up Your Policy
When finalising your specific coverage with Macif, ensure you have the following information to hand:
- The Pitch Agreement: Your contract or certificate showing the campsite address and pitch number.
- Technical Specifications: The make, model, year of manufacture, and exact living surface area of the mobile home.
- Value of Belongings: An estimated total value of the furniture, appliances, and personal items stored inside.
Get Your Personalised Quote Directly
Because every mobile home installation varies by age, location, and configuration, obtaining a tailored quote ensures you are fully covered without paying for extras you do not need. You can speak to an advisor by calling 09 69 39 49 49 (Monday to Friday 8am–8pm, Saturday 9am–5pm), or visit any local Macif branch in person.
Ready to secure your pitch and protect your holiday home? Get a Macif Quote Online