French Holiday Home Insurance

For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.

• If you’re a permanent resident in the UK,with properties in the UK, your policy and cover won’t change at all.
• If you’re a permanent resident in the UK,with properties in the EU, your policy and cover won’t change at all.
• If you’re a permanent resident in the EU,with properties in the UK, your policy and cover won’t change at all.
• However, if you are a permanent resident or domiciled in the EU,with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled on 1 January 2020 and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

• If you’re a permanent resident in the EU, with properties in the UK, we will still be able to cover you.
• However, if you are a permanent resident in the EU, with properties in the EU, unfortunately we will not be able to cover you after 1 January 2021. Your policy will be cancelled and you will need to seek an alternative provider. We will be contacting you directly if your policy is due to be cancelled.

No, if you have a holiday home in any of the following countries you are eligible to apply for a policy: the UK, Ireland, Spain, Portugal, Italy, Greece, Southern Cyprus, Bulgaria. The main criteria which make a property a holiday home are how you use it and how often you go there. If you just use the home for holidays or holiday lets and you don’t visit frequently then it’s likely to be classed as a holiday home. If you have a property which you visit more frequently, say for work or to visit nearby relatives, then it may be considered a second home in insurance terms.

If you have a unique case, our Specialist Property team can assess your individual circumstances and may be able to provide a tailored policy. As mentioned above, it may fit into the category of second home insurance - but if not, we may still be able to find cover that fits. Call the team to discuss your circumstances and we will try our best to find you cover.

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.

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

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