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Phil Spencer - Your Home and Property Questions Answered
Property guru Phil Spencer answers your questions on being a landlord, marketing a rental property, selling your home and more.
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If you’ve been turned down elsewhere, ask Towergate.
Call us for a confidential chat about getting home insurance with a criminal record
Weekdays 9am - 7pm, Sat 9am - 1pm
At Towergate Insurance we take a different approach and when you tell us about your convictions, or about those of others within your home, we aim to find you cover regardless. Plus, you can be sure that your information will be safe in our hands - we understand that the details that you disclose to us are sensitive - your privacy is our concern.
We work with every customer on an individual basis. Our team of underwriters will take your specific conviction into account, from a small fine through to a custodial sentence, and we will look into placing cover for you from our specialist home policy.
The cover you are offered will be tailored uniquely to your circumstances and can include your buildings and contents with an option for accidental damage cover. Plus, in some cases we can extend your home insurance with convictions policy to include property owner's liability, occupier's and personal liability, family legal protection, and more.
If you need to make a claim, our dedicated team will work quickly and efficiently, ensuring high levels of customer service through to settlement.
Handling all claims up to a value of £25,000 ourselves, you can be sure that you have the benefit of talking to our specialist home insurance experts should the worst happen.
Our dedicated claims professionals are all trained and experienced in managing property insurance claims and are available from Monday to Friday, 8.30am to 5.30pm.
simply call us using the number in your policy documents and our team will talk you through the details of your claim. We will advise and guide you through the next steps and will stay in regular contact with you right the way through to a fair and honest settlement.
Call or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible.
Lines are open Monday to Friday, 8.30am-5.30pm
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You can choose an excess from £50 to £250. 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 advisors on 0344 892 1750.
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 advisors on 0344 892 1750.
You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy. 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 892 1750.
Yes. We can cover for both of these situations.
If you have a flat roof, a professional builder or roofer will need to visit your property every 8 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.
You can pay by credit card or monthly direct debit.