Ireland 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 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.