FAQ - Holiday Home Insurance
Here are some of the questions we are often asked about our
holiday home
insurance. If you can't find the answer to your question here
please contact us and a member of our team will be glad to
help.
Does your holiday home insurance cover properties in the UK as
well as Overseas?
Yes. For a full list of countries we cover visit our details
page.
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 betterment.
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?
Towergate Connect offers 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.
I have a static caravan in Italy, will Towergate Insurance
cover me?
No.Unfortunately we can only cover static caravans based in
Spain, Portugal and France.
