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.
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.
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).
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.
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.
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.
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.
Read MoreDecember 20, 2018
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 MoreOctober 07, 2019
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
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