Details and documents - Underpinned property insurance

Towergate Connect is a provider of underpinned property insurance. If your home has suffered subsidence in the past and has been underpinned, we can help.

More key features

• Available on underpinned properties where the problem has been rectified
• Cover for subsidence, landslip and heave
• Available for second homes and let properties
• Includes cost of temporary accommodation if your home becomes uninhabitable
• Home assistance cover, legal protection (up to £25,000) and ID theft assistance
• Cover for your contents whilst in transit if you move home
• Worldwide cover for credit cards (up to £500) and money (up to £300)
• Up to £2,000 of contents cover for university or college
• Valuables up to 33% of the total contents and any one item up to 5% of the total contents

Exclusions

• No cover is provided for items used for business or professional purposes (however, cover is provided for up to £3,000 of office equipment in the home used for clerical business purposes)
• Certain losses or damage when your home is unoccupied for more than 60 days in a row
• Theft or malicious damage caused by you, members of your household, paying guests or tenants
• The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature
• Loss or damage to pedal cycles outside the home
• Theft of contents temporarily removed from the home, unless by somebody using force and violence to break into a building
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims

Policy documents

• Underpinned insurance policy summary (PDF 52.3kb)
• Underpinned insurance policy wording (PDF 391kb)
• Underpinned insurance application form (PDF 409kb)
• Terms of business (PDF 80kb)