Towergate provide a range of insurance solutions that our members will benefit from, including cover for jewellery and watches, travel and renovations.

Standard Home and Contents Insurance
Towergate’s home and contents policy is designed to protect all the things that make your house a home. Includes additional cover for special events which may result in the value of your contents increasing, such as Christmas or when you get married.

Motor Insurance
A vehicle is more than just a means of getting you from A to B – it is flexibility and freedom. Protecting it has never been easier with Towergate’s motor insurance policies.

Classic Car Insurance
Customisable classic car insurance to ensure your classic car is fully insured. With a wide range of optional extras including agreed value, breakdown cover, legal protection and more, you can have peace of mind knowing you’re in for smooth sailing.

Travel Insurance
From lost luggage to injury, cancelled flights to sickness. Sadly, there are a lot of things that can go wrong and quickly turn your dream holiday into a nightmare. Having travel insurance can help protect you should this happen.

Jewellery and Watch Insurance
Specialist high value jewellery and watch insurance is designed for items that aren’t covered under your standard home insurance.

High Value Home and Contents Insurance
High value home insurance is for property owners who require more than the standard, “one size fits all” insurance policy. Bespoke high value home and content insurance can cover your property and valuables, giving you complete peace of mind.

Second Home Insurance
Specialist insurance for your holiday home, weekend home or pied-à-terre. Due to the different risks associated with second homes, they will need different cover to that of your primary residence. A comprehensive insurance offers protection for when the property is vacant or being rented out.

High Value performance car insurance
Fully comprehensive and bespoke car insurance for high value performance vehicles, classic cars and family fleet. Option to group your high value motor insurance with other high value policies to provide seamless protection with one easy renewal date.

Renovation Insurance
If you are renovating or extending your home, your home insurer will likely restrict your cover by applying clauses to exclude any damaged caused by the works, therefore leaving you exposed. Renovation insurance, however, is designed to protect you and your home against the risks that renovation projects pose.

Getting the right cover, because Life is for Living

When your needs are complex it’s good to know you have expert help on hand to assist you in getting the true value of your assets right. A Circle Square member, with a notable collection of collectables and fine art, came to Towergate Private Clients for a market review of their household insurance. The new recommended insurer requested some of the specified items were re-appraised, identifying that a number of items in the collection were not suitably covered or categorised under their existing insurance policy leaving a significant underinsurance gap, which was then rectified through a revision to the policy.

Enhanced Specialist Cover because Life is about Freedom

Towergate Private Clients have access to specialist insurance policies that are designed for high value lifestyles. Working with a specially appointed panel of insurers means it has a wide selection when reviewing and making policy recommendations. Towergate Private Clients were able to assist a Circle Square member with finding a more suitable new household policy that enabled them to get cover for a high value watch, previously not covered by their existing policy, providing enhanced cover for the member.

Having flexibility because Life is for Adventure

Having the flexibility to change and align with complex needs and an evolving lifestyle is essential to ensuring you have the right household insurance cover in place. A Circle Square member came to Towergate Private Clients requiring cover for a newly purchased property, with a short deadline turnaround of just a few days. Although the initial insurance requirements were relatively simple, Buildings only, the client’s overall needs were complex requiring flexible cover that could remain relevant and appropriate to allow the inclusion of Contents at a later date, with a view to consolidating their portfolio upon renewal under the single High Net Worth policy. A suitable policy was found, providing adaptive cover to accommodate the projected changes in their requirements.