About Home Insurance with previous claims

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Specialist team for home insurance with previous claims

We encourage our customers to let us know about previous claims in as much detail as possible, so we have specialist property team to help guide you through the process.

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Dedicated claims team

Our dedicated claims professionals are all trained and experienced in managing property insurance claims and are available from Monday to Friday, 8.30am to 5.30pm.

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Spread the cost

You can pay for your policy via monthly direct debit instalments to help spread the cost.

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14-day cooling off period

We have confidence in our policies but if you need to cancel your policy for whatever reason you will be entitled to a full refund if you cancel within the first 14 days (subject to no claims being made).

Features of Home Insurance with previous claims

Standard cover

Home contents cover

This policy provides contents 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.

Alternative accommodation cover

If your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else (subject to the claim for the damage being covered under the policy).

Extra seasonal cover for home insurance with previous claims

In December we will increase your cover by 10% to cover you for Christmas presents. In addition, if you are getting married, we will increase your cover by 10% for the month prior to and the month following your wedding day.

Liability cover

We can provide property owners', occupiers' and personal liability cover.

Additional cover

Homecare emergency assistance

Choose to add home care 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.

Home Insurance with Previous Claims FAQs


Can Towergate arrange immediate cover?


This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisors on 0344 892 1750.


What do I do if I need to cancel my cover?


You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made).

If you cancel after this period, the refund will differ and a fee will be charged.

If you need to cancel your cover you will be charge relevant administration costs for setting up the policy.

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 0344 892 1750.


Would you insure my property if it is both listed and timber framed?


Yes. We can provide cover for both of these situations.


Do I have to keep my property maintained?


If you have a flat roof, a professional builder or roofer will need to visit your property every 8 years to inspect it and any necessary repairs should be carried out.


Would I still be covered for theft under this policy?


Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.


How can I pay for my premium?


You can pay by credit card, debit card or monthly direct debit.


Where can I find full details of my policy?


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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0345 074 4760 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

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