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? Apply for a quote online

Get a quote

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

0344 892 1750
0344 892 1750

Weekdays 9am - 7pm, Sat 9am - 1pm

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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 that no one should be penalised for making a claim on the insurance that was there for that very reason.

Get more from your policy

As well as flexible buildings and contents insurance, our previous claims home insurance policies have a range of additional extensions, including property owner's liability, occupier's and personal liability, emergency home assistance, and more.

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

And 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.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

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

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Home Insurance With Previous Claims FAQs

What excess do I have to pay on this policy?

You can choose an excess from £50 to £250. If you go for the higher amount, this will reduce your premium. Just note that certain constructions types will have a higher excess - such as flat-roofed properties. For more information speak to one of our sales advisors on 0344 892 1750.

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 credit card or monthly direct debit. The charge for paying by credit card is £5 if the premium is less than £5000, and 2% of the total premium if £5000 or more.

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