If you have any questions about our policy or if you need to make a change, our friendly customer service team is available Mon - Fri 9am - 7pm, Sat 9am - 1pm.
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.
You can pay for you cover via monthly Direct Debit.
Ground-floor garages under your coach house can be covered even if they’re used by someone else.
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.
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.
This policy provides content cover up to £100,000. You must lock all of your doors and windows when you leave the home for this cover to remain valid.
If your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else.
Choose to add home emergency assistance and you’ll benefit from a 24-hour helpline for sudden, unexpected events. A team will then assist you in making your home safe and secure once more and restore electricity, gas or your water supply if required. There is no excess to pay for this service and it will not affect your no claims bonus.
We have a policy specifically for those who have lodgers in their home. That way you can be covered for the additional risks associated with having a lodger in your home. You can contact our team in Colchester for Lodger Insurance.
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 insurance providers may not. 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. In all cases, the more information you are able to provide regarding your previous claims, the better.
Homes which are at risk of flood are often a little trickier to insure. We have policies which will cater for flood in some of the harder to cover areas and can often refer cases to our insurers to try and find you a policy. You can read more on insurance, provided by our team in Colchester, for flood risk areas here.
Running a business from your home often means you have slightly different need to a standard home. See our home business insurance webpage for more details.
Property owners liability is related to one’s legal responsibility to properly maintain property they 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, most home insurance policies including our own, include this as standard.
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.
You can pay by credit card or monthly direct debit.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 01708 777 710 and explain exactly what happened
to help us understand what happened as quickly as we can
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