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French Home Insurance
Cover for holiday homes and second homes across France.
- Can cover your maison, gîte, château, or chalet, whether you use it for holidays or you let it out
- 24 Hour Claims Helpline
- UK-based support
One of the UK's leading independent insurance brokers
Why choose French holiday home insurance with Towergate?
24 Hour Claims Helpline
There is a 24-hour claims helpline available so you can report your claim as soon as it happens. Once you’ve reported a claim, the team will aim to call you back within 24 hours* to take you through the next steps.
Friendly Specialist Property Team
We have a dedicated, specialist team to help you set up your policy, make changes to your policy and renew your policy. They are available weekdays between 9am - 7pm.
Range of properties
We cover all of France and most kinds of properties; from rustic farmhouses and cottages to luxurious villas, or even upmarket urban apartments for the city dwellers. We can cover UK residents with properties in France.
Spread the cost
You can spread the cost of your insurance over monthly direct debit instalments.
About French holiday home insurance
Liability cover
Whether you use your holiday home for yourself or choose to let it out, it is important to ensure you are covered for liability to the public or any domestic employees. Our policies include liability cover up to the amounts shown within your policy wording and schedule, with the potential to increase the cover as required.
Alternative Accommodation and Emergency Travel
If your property experiences a claim that exceeds £1500, with the insurer’s agreement, you will be able to claim for the cost of a return journey by air, sea, or rail to your holiday home to enable you to better manage the situation (subject to the limits set out within your policy wording).
Leaks and burst pipes
We call this 'escape of water or oil', and this is included as standard. Fully furnished properties, with Building & Contents cover, can remain unoccupied for up to 60 consecutive days with cover against loss or damage due to Escape of Water. Between 1 Nov - 31 Mar, when unoccupied overnight, any plumbed systems must be drained down or property maintained at a minimum 15C for cover to apply. (Not applicable to Spanish, Portuguese, Greek and Southern Cypriot Holiday Homes.)
UK based claims service and policy wording
Should you need to claim on your holiday home insurance policy, to ensure you have a simple and straightforward claims experience, we utilise a UK based claims call centre staffed by insurance professionals. They will have access to your policy wording, which is tailored to be compliant with local requirements wherever your holiday home is located.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0345 0744 760 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Holiday home insurance FAQs
No, if you have a holiday home in any of the following countries you are eligible to apply for a policy: the UK, the Republic of Ireland, Spain, France, Portugal, Greece and Southern Cyprus. The main criteria which make a property a holiday home are how you use it and how often you go there. If you just use the home for holidays or holiday lets and you don’t visit frequently then it’s likely to be classed as a holiday home. If you have a property which you visit more frequently, say for work or to visit nearby relatives, then it may be considered a second home in insurance terms.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL)
To find out more about PCL and direct debit payments, select Direct Debit.
To understand more about how PCL work together with Towergate, please read our Regulatory Information
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See our range of home and property cover
Holiday home insurance articles and guides
25/01/2024
How to Keep Your Holiday Home Safe and Secure
Because holiday homes are regularly left unoccupied, they’re more vulnerable to certain kinds of damage and are at an increased risk of being broken into.
Read more07/10/2019
How to Take a Holiday Home Inventory
If you rent out your holiday home to guests, or are thinking of doing so, having a good and thorough holiday home inventory is really important.
Read more07/10/2019
Top Holiday Home Claims – and How to Avoid Them
Here at Towergate, we’ve looked at the top 10 most common holiday home claims from 2017 to 2019, how long they take to fix, and the average cost to fix.
Read more11/11/2016
What to Do When Marketing Your Holiday Home
Marketing your holiday home is crucial to it being a successful business venture. This article covers some of the most vital points that can aid your success.
Read more25/08/2020
Best Practice for Leaving Your Holiday Home in Good Shape
See our property preparation checklist to help keep your holiday home in shape should you not be able to visit it for weeks, or even months.
Read more