Overseas home insurance

Many people have a property outside the UK and Towergate Connect specialise in providing overseas home insurance. Whether your foreign property is for holidays or business, we make it easy to find the right cover at the right price.

Our overseas home insurance policies cover holiday homes, second or weekend homes, whether they are a house, flat, apartment, cottage or even a log cabin, and cover is provided when the home is occupied, unoccupied or leased to others, with prices starting from £96.40.

Key features of our overseas home insurance

• ‘Overseas Assist’ our 24-hour emergency helpline (English-speaking)
• Cover when let to family, friends and others
• Wider cover than most foreign insurers
• Access to interpreting service
• £5 million property owner's liability insurance

Excess options

• Standard excess: £50
• Escape of water excess: £200
• Discounts available for excesses of £250 or £500

Locations

• Spain
• France
• Portugal
• Italy
• Greece
• Southern Cyprus
• Bulgaria
• Southern Ireland (Eire)

For properties situated in the United Kingdom see the holiday home insurance policy.

Exclusions

• Accidental damage cover is not provided when the accommodation has been sub-let
• No cover for theft if the minimum security requirements are not met
• Cover is not available for earthquakes in Greece and Italy
• We currently don't cover subsidence, heave and landslip in France, Italy, Greece, Southern Cyprus, Bulgaria and Southern Ireland
• When the holiday home is unoccupied for a period of time cover is not available for escape of water unless certain conditions are met

For more information on this policy refer to details and documents.