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We include flood cover in all our policies. For the most part we offer zero excess on this cover but in some high risk areas we may need to add an excess. In 2013 between October and February we helped 301 people get their static caravans back up and running during some of the worst weather for decades.
When you claim, you’ll get every penny from your final settlement. The only exception is in the (unlikely) event of ground movement (Landslip, heave or subsidence) where we have a £500 excess.
The winters can be cruel to static caravans. That’s why we offer water and frost damage cover with, you guessed it, zero excess. We only ask one thing – please either turn off the water at the mains (you probably do this any way), fully drain down your caravan or keep the heating on at 15 degrees whilst you’re not there.
When you take out insurance with us we’ll ask you about your ‘sums insured’ this will include the value of the caravan itself and your contents. Simply let us know the value of cover you require and we’ll adjust your premium so that you don’t pay for any more than you need.
*These are just some of the key features and exclusions, full details will be found in policy wordings. Show policy documents
At Towergate we’re proud of our claims service. Our friendly caravan team in Cheltenham are dedicated to reacting quickly and to keeping your claim moving forward.
Simply call using the number provided in your policy documents. We will talk you through the details of your claim and advise you of the next steps in the process. We will continue to guide you through from notification through to settlement.
Most importantly, when your claim is settled we will ensure payment by BACS straight in to your bank account.
Give us a call and we’ll help settle your claim
Get tips and advice from our industry experts to ensure you get the best out of your caravan insurance.
As part of our static caravan insurance video series we look at sums insured contents cover, what the term means and why it’s important to have the correct cover in place to protect the contents of your caravan. Check out the video to find out more...
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This summer's unpredictable weather has left many caravanners in a difficult situation, with their tourers ruined by flood water, which can enter a caravan very quickly, due to the location of the vent boards in the floor.
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Yes. In fact, we provide £5 million worth at no extra cost just to be safe.
Sure. Our policy provides valuables cover for any one item up to £2000, you just need to make sure you allow for any such items within your sums insured. If you're an avid wind surfer, we can also include cover for your sailboard. You may find that some items you take to your static caravan are covered by your regular home insurance. It's best to check with your home insurance provider to make sure you're not doubling up on cover unnecessarily.
Our policies include cover for escape of water and frost damage to help cope with the cold winters. However, we do ask that you drain down your caravan, turn the water off at the mains or keep the heating on at 15 degrees Celsius.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
If the home is unoccupied for more than 72 consecutive hours there are specific exclusions that will apply. These include the exclusion of cover for loss of metered water or heating oil and theft unless involving forcible and violent entry to or exit from the home. Full details of exclusions applicable can be found in the policy wording.
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