Non-Standard Construction Insurance

Cover for a range of non-standard construction properties, including steel frame and timber frame house insurance.

About Non-Standard Construction Insurance


Specialist property insurance team

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


Up to 25% no-claims discount

We can reward you with up to 25% no claims discount if you haven’t made a claim on your property insurance


Dedicated claims team

Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm

Direct Debit

Spread the cost of non-standard construction insurance

You can pay for you policy via monthly direct debit to manage the cost

Features of Non-Standard Construction Insurance

Standard cover

Property owners' liability cover

We can provide property owner's liability insurance to cover you in instances where a third party has been injured or had their property damaged in circumstances related to your property. This cover applies to your legal defence and awards you are required to pay to the claimant.

Variety of non-standard properties covered

We include eco homes, wattle and daub, timber frame houses, steel frame houses, shingle roofs and more.

Alternative accommodation cover

If your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else, subject to the claim for the damage being covered under the policy.

Additional cover

Home emergency assistance

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.

Legal protection for non-standard constructions

We can add on the option for legal cover to cover you for legal costs up to £50,000.

How do I make a claim?

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 074 4760 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Non Standard Construction Insurance FAQs


I have an annexe at my property – is this something you can cover?


Yes, we can include cover for this in your policy. We can also cover the annexe whilst you may let it out. We know you might use your property for multiple purposes and our policies can accommodate for this.


Can you cover my mobile home?


Yes, this policy is supported by our specialist mobile home team. The policy is specifically designed for mobile homes and park homes which have slightly different requirements than even our non-standard properties. For more information head to our Park Home Insurance page or call the team on 0344 892 1413.


My home is unoccupied, can I still get cover?


You may be able to insure an unoccupied home on our unoccupied home policy. Unoccupied properties need slightly different cover so it’s important to make sure you get the correct policy for your circumstances.


Are there any exclusions?


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.


Can I pay in instalments?


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.


Where can I find full details of my policy?


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.


How can I pay for my premium?


You can pay by credit card, debit card or monthly direct debit.