Cover for holiday homes and second homes across Ireland.
There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will aim to call you back within 24 hours* to take you through the next steps.
We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available Mon - Fri 9am - 7pm, Sat 9am - 1pm.
Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs.
You can spread the cost of your insurance over monthly direct debit instalments.
We can provide cover whether you stay at your holiday home yourself, with family and friends, or rent it out.
In the event you need to be at your property in an emergency, we will pay up to £300 in travel expenses for you and a family member to travel to the property as well as £400 towards alternative accommodation.
We cover accidental damage for your building contents. This also applies when you rent the property out to guests. You will need to let us know if you are renting out the property.
In the event of a natural disaster, damaging the property to the point where guests can no longer stay, you may be able to claim back what you would have earned during that stay. If you would like to rent your holiday home to friends and family, please make us aware in advance.
For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.
No, if you have a holiday home in any of the following other countries you are eligible to apply for a policy: the UK, France, Portugal, Italy, Greece, Southern Cyprus, Bulgaria.
If you just use the home for holidays or holiday lets and you don’t visit much, then it’s likely to be classed as a holiday home. If you have a property which you visit more often, say for work or to visit nearby relatives, then it may be considered a second home in insurance terms. Taking your unique circumstances into account, our underwriting team can assess your position and may be able to provide a tailored policy for you. It may fit into the category of second home insurance - but if not we may still be able to find you cover that fits. Call the team to discuss your situation and we will try to find the right policy for you.
We can offer cover if your property is damaged due to a natural catastrophe, such as a flood, earthquake or storm, or through rioting.
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.
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 0345 074 4760 and explain exactly what happened
to help us understand what happened as quickly as we can