French Holiday Home Insurance

Cover for holiday homes and second homes across France

0344 736 8238

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

About French Holiday Home Insurance

Claim

24 Hour Claims Helpline

There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will aim to call you back within 24 hours* to take you through the next steps

Group

Friendly Specialist Property 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 weekdays between 9am - 7pm

Options

Range of properties

French holiday home insurance from Towergate can cover your maison, gîte, château, or chalet, whether you use it for holidays or you let it out. We cover all of France and most kinds of properties; from rustic farmhouses and cottages of the vast Gallic countryside to luxurious villas in the glittering Côte d’Azur, or even upmarket urban apartments for the city dwellers. We can cover UK residents with properties in France

Direct Debit

Spread the cost

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

Features of French 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. The property must be occupied.

Accidental Damage (optional extra)

We cover accidental damage for your building contents. This also applies when you rent the property out to guests.

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.

French 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 only eligible for holiday homes in France?

Answer

No, if you have a holiday home in any of the following countries you are eligible to apply for a policy: the UK, Ireland, Spain, Portugal, Italy, Greece, Southern Cyprus, Bulgaria. The main criteria which make a property a holiday home are how you use it and how often you go there. If you just use the home for holidays or holiday lets and you don’t visit frequently then it’s likely to be classed as a holiday home. If you have a property which you visit more frequently, say for work or to visit nearby relatives, then it may be considered a second home in insurance terms.

 

Question

My property in France does not fit into the category of a holiday home, can you still insure me?

Answer

If you have a unique case, our Specialist Property team can assess your individual circumstances and may be able to provide a tailored policy. As mentioned above, it may fit into the category of second home insurance - but if not, we may still be able to find cover that fits. Call the team to discuss your circumstances and we will try our best to find you cover.

Question

Are there any exclusions?

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

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 out more?

Answer

Watch our video:

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 0345 074 4760 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