FAQs

Home Insurance

Frequently Asked Questions

We have listed below a number of questions that are often raised when a residence is being insured. If your question is not answered then please do not hesitate to contact our Sales Team on 01708 777710, they are available Monday to Friday 8:30am to 5:00pm.

· Can Towergate Underwriting Household arrange immediate cover ?

Yes! Pay online and cover can take immediate effect.

· How much should I insure my Home for ?

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 in addition to solicitors and surveyors fees and demolition costs. With your contents you need to consider all household goods and personal property within your Home and how much you would have to pay to replace them as new. We do make a reduction for wear and tear for clothing and linen.

· What does “New For Old” mean?

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

· Is Legal Cover and Emergency Home Assistance cover available ?

We automatically offer cover for Family Legal Protection and Emergency Home Assistance to all properties, which are owner occupied.

· What should I do in the event of a claim?

We understand that in the event of an incident occurring then making a claim can be stressful and we aim to make the process of settling a claim as quick and painless as possible.

In the event of loss or damage to the property you must:

(a) immediately report to the policy any theft, malicious damage, vandalism or loss of property.
(b) Notifiy us by telephone or letter without unnecessary delay.
(c) At your expense provide full details of the claim within thirty days.
(d) Take all reasonable steps to minimise loss or damage and take all practical steps to recover lost property and discover any guilty person.

· How much do I have to pay in the event of a claim?

Our standard excess is £50 but you can obtain a discount if you opt for a voluntary excess in addition to the standard amount.

· Can I pay by Direct Debit ?
Unfortunately, at this present time we are unable to offer a direct debit facility. However, we can take payment over the phone and accept cheques directly from you.

· In the event that I need to cancel my cover what do I do ?

If you need to cancel cover then simply notify us in writing for the reason for cancellation and state the date that you need cover to cease from – remember that if your policy is in more than one name then everyone will need to sign the letter !

If you have any other queries or wish to discuss any of the points covered above further then please don’t hesitate to contact the Sales Team on 01708 777710.