Spanish Holiday Home Insurance

What happens if I cannot visit my Spanish holiday home during the Covid-19 pandemic?

We understand that due to the Covid-19 outbreak you may be unable to visit your property. Read our FAQs for this situation.

What does Brexit mean for my Towergate holiday home insurance policy?

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.

I live abroad – what happens with my holiday home insurance policy after 1 January 2021?

• 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 willnot 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.

Is this policy solely eligible for holiday homes in Spain?

No, this kind of policy is available for holiday homes in: Bulgaria, France, Ireland, Italy, Greece, Portugal, Southern Cyprus, and the UK.

How do I know that my property is a holiday home?

If you use the property for holidays or holiday lets only, then it is likely that your property will be classed as a holiday home. If you have a property which you visit more often, say for work or to visit nearby relatives, then it may be considered a second home for insurance purposes. See our second home insurance page for more information.

My property in Spain does not fit into the category of a holiday home, can you still provide insurance?

Even if your Spanish property does not fit the definition of a holiday home, our underwriting team can assess your unique circumstances and may be able to provide a tailored policy for you. Your property may be eligible for second home insurance - but if not, we may still be able to find you an appropriate cover. Please call the team to discuss your situation.

If something happens to my holiday home while I am away, what can I do?

Unfortunately, emergencies do happen. If an issue occurs and you must travel to your holiday home, we may pay up to £300 in travel expenses for you and a family member to travel to the property, plus a sum towards alternative accommodation.

Am I protected in the event of a natural disaster?

If your property in Spain is damaged due to a natural catastrophe such as a flood, earthquake or a volcanic eruption, or a man-made catastrophe such as terrorism or rioting, you may be covered for the cost of material damage.

Can I pay in instalments?

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.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.