Supporting our Customers as They Assist Ukrainian Refugees

As the humanitarian crisis in Ukraine unfolds, we know that many of our customers are looking to help in any way they can. We’re here to support our customers by offering guidance on how any plans to assist Ukraine refugees might affect existing insurance covers.

If you’ve made plans to offer your support, take some time to ensure you’re clear on how your actions might impact your insurance cover. It may be the case that your activity is covered by your insurance, but if things aren’t straightforward, it’s better to know where you stand before making any decisions.

Ensure your plans are covered

We work with many insurers to arrange cover for our customers, and we know that the insurers we work with are also keen to help where they can. When you have a plan to offer your support, it’s worth contacting our friendly team to double check your cover arranged through Towergate won’t be affected.

Any impact on your insurance cover will depend on the way you’re choosing to support Ukraine refugees, so there isn’t a one-size-fits-all answer for our customers. That’s why we recommend contacting our friendly team, and we’ll be able to talk you through the potential impact of any plans you have to help.

We’ll be able to look at your existing cover, including any exclusions, and help you to understand any risks. You may not need to make any adjustments, but it’s a good idea to refresh yourself on what is and isn’t covered by your policy.

However you’re helping, we’re here for you

Let’s look at a few examples.

Homeowners across the UK are volunteering spare rooms to Ukrainian refugees. If you’re welcoming refugees into your family home, it may be that in these unusual circumstances, they’re viewed as family members in terms of your household insurance cover to help keep things simple. We will be able to talk you through any potential implications of this though as some accidental damage may not be covered.

If you’re using your commercial vehicle to transport goods and aid, you’ll need to double check that your activity is covered by any motor or commercial fleet insurance. You may be driving more miles than your policy assumes and transporting different items. These details can all make a difference to the insurance cover you have, so it’s wise to talk them through with one of our specialists.

Many schools are opening their doors to offer evening meals to refugees, so if you’re responsible for the building, you will need to contact your insurer to discuss issues such as safeguarding for children and reassessing risk levels to ensure your policy is suitable for what you’re offering.

Get in touch

We’re here to help, and we’re happy to clarify the potential effects of your proposed actions on your existing cover. We are working proactively with insurers on behalf of our customers so you can offer support to those who need it.

If in doubt, we’d recommend contacting our friendly team to have a conversation around what you’re planning to do, so they can ensure your cover is still right for your needs.