Spanish Holiday Home Insurance

Cover for holiday homes and second homes across Spain

0344 736 3252

Mon - Fri 9am - 7pm, Sat 9am - 1pm

About Spanish Holiday Home Insurance

Claim

Dedicated Claims Team

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

Care

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 1pm - Fri.

Certificate

No flat roof penalty

We do not penalise policies for properties with flat roofs.

Direct Debit

Spread the cost

You can spread the cost of your insurance over monthly direct debit instalments.

Features of Spanish Holiday Home Insurance

Standard cover

Flexible use cover

We can provide cover whether you stay at your holiday home yourself, with family and friends, or rent it out

Emergency Travel Expenses

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.

Accidental Damage

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.

Natural Catastrophe Cover

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.

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.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01708 777 720 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Spanish Holiday Home Insurance FAQs

Question

What does Brexit mean for my Towergate holiday home insurance policy?

Answer

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.

Question

I live abroad - what happens with my holiday home insurance policy after 1 January 2021?

Answer
  • 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.

Question

Is this policy solely eligible for holiday homes in Spain?

Answer

No, this kind of policy is available for holiday homes in: Bulgaria, France, Ireland, Italy, Greece, Portugal, Southern Cyprus, and the UK.

Question

How do I know that my property is a holiday home?

Answer

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.

Question

My property in Spain does not fit into the category of a holiday home, can you still provide insurance?

Answer

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.

Question

If something happens to my holiday home while I am away, what can I do?

Answer

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.

Question

Where can I find full details of my policy?

Answer

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.

Question

Can I pay in instalments?

Answer

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.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.