Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

Ireland Holiday Home

Cover for holiday homes and second homes across Ireland.

  • Outdoor property cover
  • 24-hour claims helpline
  • UK-based support
A shield with a tick inside it on a big translucent blue circle
White cottages on a hill next to a dirt track with the sea and farmed fields on hills in the background

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4822 customer reviews

Feefo Logo

Why choose Ireland holiday home insurance with Towergate?

Chat

24 hour claims helpline

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.

People

Friendly specialist team

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.

Sun

Outdoor contents cover

Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs.

Direct Debit

Spread the cost

Choose to spread your payment into 10 monthly Direct Debit instalments.

About Ireland holiday home insurance

Liability

Liability cover

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.

Building

Alternative accommodation and emergency travel

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).

Water

Leaks and burst pipes

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.)

Claim

UK based claims service and policy wording

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.

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 0744 760 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Ireland holiday home insurance FAQs

No, if you have a holiday home in any of the following countries you are eligible to apply for a policy: the UKFranceSpain, Greece, Portugal and Southern Cyprus.

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.

If you would prefer to spread the cost of your RIB insurance policy, you have the option of setting up a Direct Debit to pay your premium bimonthly 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.

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.

Ireland holiday home insurance articles

Where to buy a holiday home in Europe

Finding the ideal spot to buy a holiday home can be tricky, so we've put together a guide to four sunny European holiday home hotspots.

Read more

Buying a Holiday Home

Buying a holiday home has major rewards, if it is done correctly! Take a look at our detailed guide to help you navigate the process and find the right house in the destination of your dreams.

Read more

How to Keep Your Holiday Home Safe and Secure

Because holiday homes are regularly left unoccupied, they’re more vulnerable to certain kinds of damage and are at an increased risk of being broken into.

Read more

How to Protect Your Holiday Home from the Elements

Holiday homes can be particularly vulnerable to damage from the elements. In preparation for the off-season, safeguard your property with these tips.

Read more

How to Take a Holiday Home Inventory

If you rent out your holiday home to guests, or are thinking of doing so, having a good and thorough holiday home inventory is really important.

Read more

Top Holiday Home Claims – and How to Avoid Them

Here at Towergate, we’ve looked at the top 10 most common holiday home claims from 2017 to 2019, how long they take to fix, and the average cost to fix.

Read more

Beginner's Guide to Lending Your Holiday Home to Friends and Family

If you want to treat family and friends by offering them a staycation break in your home-from-home, read a few basics to avoid potential mishaps.

Read more

Best Practice for Leaving Your Holiday Home in Good Shape

See our property preparation checklist to help keep your holiday home in shape should you not be able to visit it for weeks, or even months.

Read more

What to Do When Marketing Your Holiday Home

Marketing your holiday home is crucial to it being a successful business venture. This article covers some of the most vital points that can aid your success.

Read more