FAQ - Holiday home insurance

Yes. Call us on 0844 736 8249 to speak to a friendly member of staff or alternatively you can buy online.

Yes. Our policy automatically provides employers' liability cover of up to £10 million for any domestic staff.

It means that the item referred to will be replaced for its current value without a deduction for wear, tear or betterment.

We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as 'all risks'. If you keep any items permanently in your holiday home and they exceed the single article limit of £3,000 then you will need to specify them on the policy schedule.

Accidental damage cover is available to the policyholder and family members for both buildings and contents.

Make sure you check the insurance for your permanent home, as many insurers don't provide cover after 30 consecutive days of unoccupancy. Towergate Connect do provide cover - call us for more information.

Our policies state that you need to pay the first £50 of any claim, apart from escape of water where you need to pay the first £200 of any claim and subsidence and landslip where you need to pay the first £1,000 of any claim. If you have arranged a different excess fee with us, you will need to pay that amount.

You can pay securely online. As soon as the policy is paid for cover will commence. Alternatively, you can pay by card over the telephone or by posting a cheque to Towergate Connect, Suite N, The Octagon, Middleborough, Colchester, Essex CO1 1TG. Monthly instalments are available.

We offer insurance for one or more holiday homes. This will includes homes that are in the United Kingdom or overseas. Please call us to discuss your requirements.

Up to £5 million of protection for both property and public liability is included in your holiday home insurance policy.

Yes, this is one of the risks which your policy covers as standard.

Yes, if you insure your contents with Towergate Connect, we will ensure that these are covered as standard. For more details refer to the Policy Wording which is available for download in the details and documents section.

Absolutely. Towergate Connect specialises in holiday letting insurance as well as holiday home insurance. Contact us on 0844 736 8249 for more information.

For your buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls etc. The value should include solicitors' and surveyors' fees and demolition costs. With your contents you need to consider all household goods and personal property within your holiday home and how much you would have to pay to replace them as new. We make a deduction for wear and tear for clothing and linen.

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 cover after that time, cancellation charges will apply. 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 0844 736 0088.