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.
Whether you use your holiday home for yourself or choose to let it out, it is important to ensure you are covered for liability to the public or any domestic employees. Our policies include liability cover up to the amounts shown within your policy wording and schedule, with the potential to increase the cover as required.
If your property experiences a claim that exceeds £1500, with the insurer’s agreement, you will be able to claim for the cost of a return journey by air, sea, or rail to your holiday home to enable you to better manage the situation (subject to the limits set out within your policy wording).
We call this 'escape of water or oil', and this is included as standard. Fully furnished properties, with Building & Contents cover, can remain unoccupied for up to 60 consecutive days with cover against loss or damage due to Escape of Water. Between 1 Nov - 31 Mar, when unoccupied overnight, any plumbed systems must be drained down or property maintained at a minimum 15C for cover to apply. (Not applicable to Spanish, Portuguese, Greek and Southern Cypriot Holiday Homes.)
Should you need to claim on your holiday home insurance policy, to ensure you have a simple and straightforward claims experience, we utilise a UK based claims call centre staffed by insurance professionals. They will have access to your policy wording, which is tailored to be compliant with local requirements wherever your holiday home is located.
For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.
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 0330 123 0821 and explain exactly what happened
to help us understand what happened as quickly as we can
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