Coronavirus help and support for our insurance customers


Home Insurance With Previous Claims

We don’t think you should be turned away because you’ve had to claim. After all, that’s the point of insurance.

  • We take personal circumstances into account as well as previous claims to build the right policy for you
  • Flexible buildings and contents insurance
  • Optional extensions available including emergency home assistance

Have your claims info handy? Request a quote online

Get a quote

Already started a quote? Login to retrieve it.


Call us and talk us through your claims history to see how we can help

0344 892 1750
0344 892 1750

Weekdays 9:00am - 5:30pm

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We want to help you get home insurance cover regardless of your claims history.

We can accept risks where others can’t

At Towergate, we encourage our customers to give us all the details of their previous insurance. We believe that everyone should be entitled to cover for their homes and contents and will do our utmost to provide cover.

Get more from your policy

With buildings cover, property owners' liability cover is included - and our contents policy includes occupiers' and personality liability cover. We can also offer a range of add-ons, including home emergency and legal expenses cover.

We help to find you the right policy

Our underwriters are specialists who work on behalf of each and every customer. Taking your claims history into account, we will underwrite the policy to suit your circumstances. And if you have any questions at any point we are on hand to help. 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.

Helpful when it counts

When it comes to our own claims process, you can be assured of our continuing high levels of customer service. Our dedicated team will work efficiently, aiming to settle claims both quickly and fairly, ensuring you are kept informed throughout.

Home Insurance With Previous Claims Claims

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.

Need to make a claim?

Give the team a call to get started:

01708 777 710

Lines are open Monday to Friday, 8.30am-5.30pm

Home Insurance With Previous Claims Articles & Guides

Discover more about homes and property in our property hub, full of helpful information on the topic:

freehold-vs-leasehold

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The Difference between leasehold and freehold property

Understanding the difference between leasehold, freehold and shared freehold ownership is important when you considering buying a property or looking to insure your home or investment. Our simple guide weighs up Leasehold vs freehold and explains whether you need buildings insurance on a leasehold property.

Wallpaperprep1

article

DIY Tips - Wallpapering

We have put together some how-to guides to those seemingly simple decorating duties, painting and wallpapering. We've picked the minds of paint shop and decorating professionals for advice which, if followed properly, with a little time investment can result in a professional finish at a cost price. So whether you own the property you are decorating or sprucing up to let out, why not give it a go?

Paintingoutside1

article

DIY Tips - Painting

We have put together some how-to guides for those seemingly simple decorating duties, painting and wallpapering. We’ve picked the minds of paint shop and decorating professionals for advice which, if followed properly, and with a little time investment can result in a professional finish at a cost price. So whether you're living there, developing or sprucing to let out, why not give it a go?

Home Insurance With Previous Claims FAQs

Can Towergate arrange immediate cover?

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.

What do I do if I need to cancel my cover?

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.

Would you insure my property if it is both listed and timber framed?

Yes. We can cover for both of these situations.

Do I have to keep my property maintained?

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.

Would I still be covered for theft under this policy?

Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.

How can I pay for my premium?

You can pay by debit card, credit card or monthly direct debit.

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