Cover for holiday homes and second homes across Spain
Mon - Fri 9am - 7pm, Sat 9am - 1pm
Our friendly and helpful claims team are available 5 days a week, 8:30am - 5:30pm.
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 1pm - Fri.
We do not penalise policies for properties with flat roofs.
You can spread the cost of your insurance over monthly direct debit instalments.
We can provide cover whether you stay at your holiday home yourself, with family and friends, or rent it out.
In the event you need to be at your property in an emergency, we will pay up to £300 in travel expenses for you and a family member to travel to the property as well as £400 towards alternative accommodation.
We cover accidental damage for your building contents. This also applies when you rent the property out to guests. You will need to let us know if you are renting out the property and have a written contract in place confirming the rental period.
In the event of a natural disaster, damaging the property to the point where guests can no longer stay, you may be able to claim back what you would have earned during that stay. If you would like to rent your holiday home to friends and family, please make us aware in advance as we will need to update your policy to include cover for this.
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 01708 777 720 and explain exactly what happened
to help us understand what happened as quickly as we can
For most customers, your policy will be unchanged after the end of the Brexit transition period on 1 January 2021.
If you use the property for holidays or holiday lets only, then it is likely that your property will 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 for insurance purposes. See our second home insurance page for more information.
Even if your Spanish property does not fit the definition of a holiday home, our underwriting team can assess your unique circumstances and may be able to provide a tailored policy for you. Your property may be eligible for second home insurance - but if not, we may still be able to find you an appropriate cover. Please call the team to discuss your situation.
Unfortunately, emergencies do happen. If an issue occurs and you must travel to your holiday home, we may pay up to £300 in travel expenses for you and a family member to travel to the property, plus a sum towards alternative accommodation.
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
Holiday homes are more vulnerable and require more protection than other types of properties. In this easy-to-follow guide we cover all you need to know about holiday home protection.
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Getting the right insurance for your property or properties is the key to protecting what may be your biggest investment.
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As holiday homes are regularly left unoccupied, they can be more susceptible to break-ins and damage from the elements.
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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 MoreOctober 07, 2019
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 MoreAugust 20, 2021
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 MoreNovember 11, 2016
Which websites are the best for disabled holidays? Read our guide for advice and tips on holidays, accommodation and insurance for the elderly and disabled
Read MoreNovember 11, 2016
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 MoreAugust 25, 2020