If you have any questions about our policy or if you need to make a change, our friendly customer service team is available Mon - Fri 9am - 7pm, Sat 9am - 1pm.
You can pay for your policy by monthly direct debit and spread the cost over monthly instalments.
Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm.
You can choose a standard excess from £100 to £550. If you go for the higher amount, this may reduce your premium. Please note, other excess’ may apply in certain circumstances.
As part of your cover, accidental damage for fixed glass, sanitary fixtures and fittings and electrical equipment is included as standard.
If your home becomes uninhabitable, subject to the claim for the damage being covered under the policy, we will cover you for alternative accommodation, so you don’t have to worry about finding somewhere to stay.
Cover for all grades of listed building (I, II and II* in England and Wales and A, B and B+ in Scotland and Northern Ireland)
On our policies you will be covered for theft as long as there is evidence of forcible entry or exit.
Choose to add home 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.
We can add on the option for legal cover to cover you for legal costs up to £50,000.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
There are 3 grades for a listed property in the UK: Grade I – buildings of exceptional interest, Grade II* – particularly important buildings of more than special interest , Grade II – buildings that are of special interest, warranting every effort to preserve them.
There are around 500,000 listed building in the UK. A building becomes listed once it is added to the Statutory List of Buildings of Special Architectural or Historic Interest. It means that the building cannot be demolished, altered or extended without expressed permission from the Local Planning Authority. They will often be made using non-standard or ‘traditional’ methods and materials or require specialist workmen at the request of the LPA. This in turn may make sourcing workmen or materials more timely and/or expensive.
One main concern for insurers of listed buildings is the extra time it can take to source materials, workers and gain approval from the council to get repairs done. In the event of a claim this extra time often means extra expense at a cost to them.
For instance, if the property needed demolishing, it could take much longer when parts of the property want to be salvaged for use in the restoration or rebuild. The other issue is simply that non-standard construction does not compute on some insurers heavily computerised systems! Specialist brokers and insurers have more ability to calculate risk and work on a more case by case basis with individuals.
Remember - You will need an exact price so the original price set when you purchased the property may be out of date at time of renewal.
RICS (Royal Institution of Chartered Surveyors) can advise on the rebuild cost of your home from £200. Find a local surveyor.
You can choose an excess from £100 to £550. If you go for the higher amount, this will reduce your premium. Certain types of constructions have a higher excess - such as flat-roofed properties. For more information speak to one of our sales advisers on 0345 266 8552.
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 advisers on 0345 266 8552.
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 736 0088.
Yes. We can cover for both of these situations.
Policies will vary depending on things like location, the rebuild cost of your property, and the value of your contents - go online for a quote or give us a call to chat through the details.
You must take all reasonable steps to prevent accidents, loss or damage and must maintain the property insured in sound condition and good repair. If you have a flat roof, a professional builder or roofer will need to visit your property every eight years to inspect it and any necessary repairs should be carried out.
Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.
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.
The re-build cost is the figure you should be insuring the building for and it is based on how much it would cost to rebuild the property, brick by brick. Remember to take into consideration the cost of the demolition of the building, the clearance costs and solicitor/architect fees as well as the re-building cost itself.
Every property owner should have property owners’ liability. Should a guest or any third party injury themselves on your property, POL can pay out should a compensation claim be brought against you. You may be liable because the property owner is responsible for maintaining the premises.
Limits usually are offered at £1 million, £2 million or £5 million. Generally, it would be unlikely that a listed home would suffer a POL case for more than £1 million but depending on the location or use of the property you might consider more.
A great way to understand the difference between your ‘contents’ and your ‘building’ would be to (hypothetically) tip your house the wrong way up. Anything that would fall is considered contents. This would mean furniture and decorations are contents but the walls, ceiling and kitchen cabinets come under buildings insurance. Don’t forget the small things too – it can be surprising how quickly things add up if you really had to replace everything in your home.
Make sure you understand the level of cover you are agreeing to and importantly which valuable items may not be covered your contents insurance. Items of high value and or personal items such as phones may not be included. You may then want to consider high-net worth insurance or separately insuring specific items.
If your property has suffered from some subsidence you will need to declare this during a quotation. It is vital that you do because otherwise further complications could be uninsured. You will need to provide proof that this has been checked by a professional and although it will most likely raise your premium, a specialist insurer should not have a problem sourcing you a policy that provides adequate cover and will be able to consider each situation on a case by case basis.
Accidental damage cover– This is not offered as standard. You must make it clear early on that you want to be covered for accidental damage. Accidental damage is considered damage to property not classed under another insurable peril. E.g. Foot through the loft or nail through a pipe.
Legal cover – This is help with legal fees if legal action is taken out against you. Legal cover is not usually found as a standard policy feature but can be requested as an optional add on to your policy. As with all optional extras they are not deemed essential or legal requirements, an adviser can discuss with you the costs and levels you might be interested in.
Whether you have your insurance with Towergate or any other specialist insurer, always be confident you understand the features and exclusions of your policy. Especially when you are insuring something as dear (and expensive) as your home.
Unoccupied - Unoccupied properties are much more susceptible to break-ins, petty crime, squatting etc. This being so for instance, our insurance will not cover a property that remains unoccupied or unfurnished for more than 60 days. Your listed building may need major refurbishments that require you to leave or you may have a second home in another location. Whatever the reason, we can easily convert your policy to an unoccupied listed property policy should this be the case.
The cost of normal maintenance work – Normal wear and tear, maintenance work, refurbishments and decorations are not insured on our policy (please see the policy document for details). Listed buildings however have a higher likelihood of issues such as damp, drainage and decay due to the age and may need more maintenance than a modern property so it is important to keep on top of these things. There are many things you can do such as; Looking out for any signs of damp patches and checking bricks for erosion, having your roof inspected to check for broken tiles which may need repairing and regularly clearing guttering of leaves and debris.
Raise the voluntary excess – The higher the excess, the lower the premium. This is because the larger percentage of each claim you agree to pay yourself the less risk the insurer has to take and the less they can charge to cover their share.
Add additional security measures - In certain high risk areas, or with higher levels of valuable contents to insure you may be required to meet certain security measures. Your adviser will be able to discuss this with you. With or without these requirements you can often get a discount by installing higher levels of security including specific locks and intruder alarms. Be sure to speak to your adviser if you would like to know more about these options.
Change of use - Don’t forget that your insurer also needs to know if you change the use of your property. Will you be renting out your property to tenants as a short term letting/holiday home? Or do you yourself use this property as a holiday home? We can update your policy to cover you for these circumstances as they change.
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