UK holiday home insurance

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.

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.

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.

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

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.

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.

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

If you would prefer to spread the cost of your rowing boat insurance policy, you have the option of setting up a Direct Debit to pay your premium by 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.

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.