Subsidence Insurance

If your house is susceptible to ground movement, we can cover you where others can’t.

  • We aim to cover your home even if you've previously suffered from subsidence
  • We have helpful advisors to talk through your options
  • Home emergency assistance option available

Don’t have time to call now? Send us your enquiry and we’ll get back to you

Make an Enquiry

Talk to us about your property to get a quote

0344 892 1750
0344 892 1750

We’re here for you Weekdays 9am - 7pm, Sat 9am - 1pm
Can’t get through right now? Request a callback

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Hercule

Our cover combines flexibility with great features. Here are just a few ways we can cover your home away from home:

Cover for your contents

A home is more than just bricks and mortar. We cover the essential things which make your house a home too. We cover your contents whilst in transit, we cover your money and credit cards (limits apply), we even cover valuables such as jewellery and electrical items. We'll also extend your contents limit over Christmas and weddings to accommodate the extra belongings likely to be in your home.

Option to include home assistance cover

If disaster strikes and you've decided to add home assistance to your policy, you’ll be covered for someone to visit your property to try to fix the damage or at the very least, limit any further damage. If you've been unlucky in the past with burst pipes or broken boilers, it’s a great idea to add this to your policy just in case.

Here to help – even when you sell your house

We know that selling a property with a history of subsidence can prove problematic. Most mortgage providers require insurance to be in place before completion. We can transfer your insurance cover to the new home owner should you choose to sell your property, subject to the new owners information being acceptable.

We take the caring approach

If your home becomes uninhabitable, if your home becomes uninhabitable, it’s very likely to be a distressing time. The cover we arrange aims to take away some of that distress by covering the cost of your temporary accommodation while your house is being fixed.

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

Subsidence Insurance Claims

Handling all claims up to a value of £25,000 ourselves, 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 with the exception of bank holidays.

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?

Call the team on:

01708 777 710

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

Subsidence Insurance Articles & Guides

If you've got any questions about insuring a property with subsidence or with any other special requirements, our guides may have the answer.

Subsidence

video

What is Subsidence?

In this video we uncover what insurers mean by ground movement and what you can do if you’ve been refused cover based on your property’s history of ground movement.

View video
Flooded Home Resize

article

A Guide to Flood Prevention for Non Standard Homes

If your home is situated in a flood risk area it may be considered a non-standard home in insurance terms. Last year, The Association of British Insurers (ABI) reported insurers had paid out a total of £446m in flood claims in the UK between 23rd December 2013 and 28th February 2014 alone, showing the impact and extent of flood damage from a financial perspective.

listed home property insurance couple outside

insurance guide

Listed Home Insurance Explained

With a listed property you have obligations to maintain and protect beyond that of a standard home. That’s why we've put together a detailed guide to listed building insurance to help you understand what it does and what you might need.

subsidence

article

How does subsidence affect my buildings insurance?

Subsidence is often a big worry for property owners. Very difficult to predict and costly to fix we all want to know it’s covered on our insurance. But what is subsidence? Is it that much of a risk? And will affected properties really be uninsurable afterwards? We look at what subsidence is and how insurance companies deal with it.

Subsidence Insurance 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. Certain types of constructions 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.

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. Premium Credit is offered to selected clients only.

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