We can offer holiday home insurance in the following locations:
England, Scotland, Wales, Northern Ireland, Southern Ireland (Eire), Channel Islands and the Isle of Man
Bulgaria, Spain, France, Southern Cyprus, Portugal, Italy, Greece
Our holiday home insurance is underwritten by Lloyd’s Syndicates 4444 and 958, and includes cover for:
Cost of temporary accommodation and loss of pre-booked rental income following loss or damage to your buildings
£5 million property owner's liability
Personal effects contained in your home included within your contents cover
Use when let to family, friends and others
Accidental damage cover for your buildings and contents while let (as long as proof of a signed rental agreement can be provided)
Cover under your contents insurance for replacement locks if your keys are lost or stolen
Cover of up to £500 for personal effects contained in the home and £100 for money included within your contents cover
Discounts available for excesses of £250 or £500
'Overseas Assist', our UK based 24-hour English speaking emergency helpline for owners of properties overseas
We can also cover static caravans in France, Spain or Portugal and insure both the property and its contents
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
The first £100 of every claim (standard excess), except for an escape of water claim where the excess is £500 and a subsidence and landslip claim where you would need to pay the first £1,000.
Accidental damage cover is not provided when the accommodation has been sub-let
Cover is not available for earthquakes in Greece and Italy
We currently don't cover subsidence, heave and landslip in Italy, Greece, Southern Cyprus, Bulgaria and Southern Ireland
When the holiday home is unoccupied, cover is not available for escape of water unless certain conditions are met
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
Can Towergate Insurance arrange immediate cover?
Yes. Call us on 0844 892 1750 to speak to a friendly member of staff or alternatively you can buy online.
What does 'new for old' mean?
It means that the item referred to will be replaced for its current value without a deduction for wear, tear or age.
Do I need to specify any valuables?
We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as 'all risks'. If you keep any items permanently in your holiday home and they exceed the single article limit of £3,000 then you will need to specify them on the policy schedule.
Do I have accidental damage cover?
Accidental damage cover is available to the policyholder and family members for both buildings and contents.
What if my property is left unoccupied for long periods of time?
Make sure you check the insurance, the holiday homes policy does allow for some unoccupancy subject to terms. Towergate Insurance do provide cover - call us for more information.
How much do I have to pay in the event of a claim?
Our policies state that you need to pay the first £100 of any claim, apart from escape of water where you need to pay the first £500 of any claim and subsidence and landslip where you need to pay the first £1,000 of any claim. If you have arranged a different excess fee with us, you will need to pay that amount.
How do I pay my premium?
You can pay securely online. As soon as the policy is paid for cover will commence. Alternatively, you can pay by card over the telephone or by posting a cheque to Towergate Connect, Suite N, The Octagon, Middleborough, Colchester, Essex CO1 1TG. Monthly instalments are available.
Want to insure more than one holiday property?
We offer insurance for one or more holiday homes. This will includes homes that are in the United Kingdom or overseas. Please call us to discuss your requirements.
Does the policy include liability cover?
Up to £5 million of protection for both property and public liability is included in your holiday home insurance policy.
Is fire and theft included in my holiday home insurance policy?
Yes, this is one of the risks which your policy covers as standard.
Will my garden furniture and BBQ set be covered against theft and damage?
Yes, if you insure your contents with Towergate Insurance, we will ensure that these are covered as standard. For more details refer to the Policy Wording which is available for download in the details and documents section.
If I am sub-letting my property out as a holiday home, will I be covered?
Absolutely. Towergate Insurance specialises in holiday letting insurance as well as holiday home insurance. Contact us on 0844 892 1750 for more information.
How much should I insure my holiday home for?
For your buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls etc. The value should include solicitors' and surveyors' fees and demolition costs. With your contents you need to consider all household goods and personal property within your holiday home and how much you would have to pay to replace them as new. We make a deduction for wear and tear for clothing and linen.
What do I do if I need to cancel my cover?
You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy. Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0844 892 1750.
What if I don't speak the local language and there is a problem with my overseas holiday property?
We offer a free translation service - Towergate Overseas Assist. It gives you, or anybody renting your property, free 24-hour access to an interpreting service and a domestic helpline to help you in an emergency. A great advantage when letting a European holiday home.
Does the policy include cover for heave, subsidence and landslip?
Yes, if your property is in the UK, Spain or Portugal. Unfortunately we can't currently insure against this in other countries.
Where can I find more information about monthly Direct Debit?
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
Our claims team
You can be sure that, should the worst happen, you have the benefit of talking to our holiday home insurance experts.
Our dedicated claims professionals are all trained and experienced in managing property insurance claims and are available from Monday to Friday, 8.30am to 5.30pm.
Your holiday home insurance claim
When it comes to our claims service you can be assured that we will react quickly and professionally. We are committed to keeping your claim moving forward, allowing you to get your home back in shape as quickly as possible, normally within our average claims lifecycle of just 22 days.
With no claims forms for you to fill in, simply call us using the number in your policy documents and our team will talk you through the details of your claim. We will advise and guide you through the next steps and will stay in regular contact with you right the way through to a fair and honest settlement.
In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim.
If a loss adjuster is required we will appoint you one and, if your holiday home is abroad, we will appoint our specialist loss adjusters who know the laws and language local to your home. As with all of our suppliers, they will be in contact with you within 24 hours to ensure your claim runs quickly and smoothly.
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