Foster Home Insurance

Having worked with a number of individual foster carers and associations, we have devised a foster insurance policy specifically for you, offering cover for the bespoke needs and requirements that you have. We understand the challenges faced by foster carers and provide a flexible solution for the protection you need.

We can provide you with a quote on the phone, at a time convenient for you. You can contact us on 0330 123 5304, Mon - Fri between 9am and 7pm, Sat 9am - 1pm. Alternatively, you can fill in your details by clicking the 'make an enquiry' button at the top of this page, and we will get back to you.

Yes. Our foster carer insurance policy covers you against any malicious damage, vandalism, theft, or attempted theft of any foster child in your care.

As lovely as this sounds, we don’t treat foster children as family members - and here’s why: theft or attempted theft, intentional damage and vandalism by a family member would not be covered on a home policy, whereas we treat foster children separately, and provide this extra cover for foster children.

No. We don't require you to tell us when you accept a new placement, regardless of the child's background or situation. Our foster home insurance extends to a maximum of four children in your care at one time.

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, and how much you would have to pay to replace them as new.

We can usually provide immediate foster home insurance cover, once you have received and agreed to your quote. We will always try to cater to your circumstances, so just let us know what your requirements are.

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 01603 522 050.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

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.

* Terms and conditions regarding needing a crime reference number
The standard course of action will be not to request a crime reference. However, we reserve the right to ask for the incident to be reported to the police, where suspicious circumstances, fraudulent activity or the circumstances of the incident warrant a police notification.