Details and documents - Overseas home insurance

Insuring your holiday home overseas can be a daunting task, with foreign languages, unfamiliar market practices and differing levels of insurance cover. That's why it pays to count on Towergate Connect's vast experience of providing holiday home insurance.

Our policies are underwritten by a consortium of leading UK insurers, our documentation is in English and our claims service is based in the UK. We offer wider cover than you can often expect from foreign insurers, including accidental damage and liability insurance. And then there's the security and simplicity of dealing with a UK company.

For your peace of mind Towergate Overseas Assist gives you, or anybody renting your property, access to an exclusive interpreting service. This can help you in many ways, from reporting a crime or emergency to making a restaurant reservation.

We also provide a 24-hour emergency helpline giving you access to specialist advisors with local knowledge who can help you source a local tradesman if you have a domestic emergency, such as a burst pipe.

Key policy features

• 24-hour English-speaking helpline to help you source a local tradesman in an emergency
• Cover applies whether your international property is let out or being used by you, friends or family
• Wider cover than you can often expect from foreign insurers, including accidental damage and liability insurance
• Access to 'Pass the Phone', an interpreting service which allows you four FREE calls for any situation, wherever you are
• Up to £1,000 travel costs is included if your holiday home is damaged or vandalised, and you need to be on site
• Our policy fully complies with overseas regulations
• UK claims handling service with bilingual loss adjustors
• All documentation is written in plain English so there are no hidden surprises
• Up to £5 million liability cover

Locations

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

Please note: Cover is only available in Bulgaria for properties built after 1975 in the following resorts – Bansko, Varna, Golden Sands, Albena, St. Constantine and Elena, Riviera and Rusalka, Sunny Beach, Sveti Vlas, Nessebar, Primorsko and Sozopol.

Towergate Overseas Assist

If you insure your overseas holiday property with us, you automatically receive access to Towergate Overseas Assist. It gives you, or anybody renting your property, free 24-hour access to an interpreting service and a domestic helpline to help you in an emergency.

You'll find this indispensable in a foreign country where you require assistance communicating with authorities, businesses or need medical attention. The service also includes:

• English-speaking call handlers
• Assistance following an emergency or crime, or loss of passports, credit cards or money
• A booking service – for medical appointments
• Assistance with utility companies
• Help with locating local tradesmen and professional services
• What's more, we also give you, and anybody renting your property, access to a 24-hour emergency helpline, providing a specialist advisor with local knowledge to help you source tradesmen to deal with a domestic emergency

Policy documents

• Policy summary (61kb)
• Policy wording (905kb)
• Terms of business (80kb)

For specific questions about this policy see frequently asked questions.