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Coronavirus help and support for our insurance customers
Cover for coach houses and flats above garages
Whether your coach house is your main home, holiday home, let out to tenants or used as an Airbnb or similar, we can provide buildings and contents cover through our coach house insurance.
We can also insure ground-floor garages under your coach house as part of the freehold, even if these are leased out for residential purposes. Therefore if your neighbours have use of a garage under your flat, we can still cover you.
We can offer insurance for your contents whether your contents are entirely within your coach house, or also in the lower floors or garages underneath.
It can be challenging to find insurance for coach houses because of their unusual construction. As a specialist insurer, our coach house cover is designed for the specific risks of your property, such as neighbours who have a garage under your flat which is not under your control.
We recommend you report your claim as soon as possible and we have a 24 hour claims number so you can call us straight away.
Once reported, our claims team will call you back no more than 24 hours later with the next steps for your claim, hopefully we’ll get things sorted nice and quickly for you.
Call or email us with: your policy number, a phone number to reach you on, details of your claim and photos where possible.
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A coach-house is a residence that’s over a garage, carport, set of garages or even walkways/driveways.
Your coach house has different risks to an average flat or house. Some insurance companies might struggle to cover you, for instance if other people have access to your property – like neighbours who have a garage under your flat. Here at Towergate we specialise in specialist insurance, so we cover the properties other insurers don’t.
Yes, you can add cover for home emergencies to your property insurance policy.
Please talk to your Towergate adviser for details.
We specialise in providing cover where other insurers can’t. If you've had previous claims we will still consider your case whether or not you've been rejected by other insurers. This is also handled by our Colchester team and details can be found on our contact page.
Property owners liability is related to one’s legal responsibility to properly maintain property you own so it is not a danger to others. If a form of negligence connected to the property causes a third party to be injured or their property to be damaged, they may seek compensation from the property owner. Subsequently, it’s important to have insurance in place to cover this, and most home insurance policies, including our own, include this as standard.
Cover for accidental breakage of glass, ceramic hobs and sanitary fittings is provided as standard. However, you can choose to increase the protection for your home by adding optional accidental damage cover to your buildings, contents or both for an additional cost.
You can pay by credit card, debit card or monthly direct debit. .