Holiday Home Insurance

Protecting your home away from home. Insurance for a variety of holiday property types including chalets, cottages, apartments, lodges and villas.

0345 266 8561

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

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About Holiday Home UK & Overseas Insurance

Claim

Dedicated claims team

Our dedicated claims professionals are all trained and experienced in managing property insurance claims and are available Mon-Fri 8.30am to 5.30pm.

Group

Friendly holiday home specialists

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.

Sun

Outdoor contents cover for your property

Contents includes outdoor accessories such as inflatable hot tubs, garden furniture and BBQs

Shield

No flat roof property penalty

We can provide cover for properties with flat roofs such as those in Greece or Spain

Features of Holiday Home UK & Overseas Insurance

Standard cover

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 cover for holiday homes

We cover accidental damage as an optional extra for your building and contents. This also applies when you rent the property out to guests subject to a written rental agreement being in place.

Cover whilst your home is unoccupied

As long as your home is furnished and has not been empty for more than 60 consecutive days from 1st April and 30th September or is lived in overnight between 1st October and 31st March. You may need to either turn the water off at the internal stop cock where the water enters the home and drain down all pipes and appliances or keep the property at 15c during this period at all times via a thermostatically controlled fixed heating system. ( Not applicable to Spanish, Portuguese and Southern Cypriot Holiday Homes.

Cover for holiday homes in the UK and abroad

We also cover a variety of property types including chalets, cottages, apartments, lodges and villas, and cover requirements including Airbnb rentals.

Holiday Home UK & Overseas Insurance FAQs

Question

What makes my property a holiday home?

Answer

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 could be considered a second home in insurance terms. Check out our second home insurance page for more information.

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

My property 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 to confirm if we have a policy for you. 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

What if my holiday home keys are lost or stolen?

Answer

We provide cover for replacement locks to external doors of the home, alarm systems and domestic safes fitted in the home if the locks are accidentally lost or stolen.

Question

Why can't I get standard buildings and contents cover for my unoccupied home?

Answer

Most providers will not insure properties which are left unoccupied for more than 30 days at a time, which is why you need to come to a specialist provider.

Question

Can you insure holiday homes in any country?

Answer

Our holiday home insurance policy can only cover properties in the UK, Republic of Ireland, SpainFrance, Portugal, Italy, Southern Cyprus, Greece and Bulgaria.

Question

Do I need additional cover for my second or holiday home when lending it to friends and family?

Answer

It depends on the type of property and policy cover you have. For holiday home cover (‘not let’), if you have accidental damage included in your policy, you will be covered for use by friends and family, so long as you are not letting the property for cash reward. If you have second home insurance, you just need to let us know.

If you are planning on renting your property, you can also get extended holiday home insurance for when your property is ‘let’. Speak to one of our friendly advisors to find out more.

Question

Do I still need to carry out property inspections when guests have stayed there?

Answer

The requirements of your policy will not change, and as your guests may not be familiar with your property it is worth carrying out an inspection after they have left. Your guests must leave the property in accordance with the unoccupied element of your cover, please refer to your policy documents.

Question

Do you provide holiday home insurance for expats from the UK?

Answer

Yes we can provide expat insurance for your property. Get in touch with our team with any questions you may have.

Question

Are there any other 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

Do you cover unoccupied holiday homes?

Answer

Yes, but your property must not have been been empty for more than 60 consecutive days from 1 April and 30 September or lived in overnight between 1 October and 31 March. You may need to either turn the water off at the internal stop cock where the water enters the home and drain down all pipes and appliances or keep the property at 15°C during this period at all times via a thermostatically controlled fixed heating system. Note this is also not applicable to Spanish, Portuguese and Cyprus holiday homes.

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

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.

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