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Covered 365 days a year
A second home can be a joy – enjoy it more with the peace of mind that comes with comprehensive second home insurance. We understand that although not always occupied, your second home is still a home, and so we provide the same expert level of cover as we do for your primary residence. We will happily cover a wide selection of property types in the UK. For cover overseas then see our Holiday Home Insurance.
Benefits include
Fully Covered for temporary loss of accommodation.
Accidental damage cover is available as an option.
Standard excesses of £50 and £250 for escape of water.
Additional discounts available for higher excesses.
All the cover you would expect from a first class home insurance policy
Fully Covered for temporary loss of accommodation, plus £2,000,000 of legal liability cover is included in your policy, covering your personal capacity and your liability as an employer of domestic staff. Plus:
- New for old apart from clothing and linen
- Accidental damage to audio, video or computer equipment
- Contents temporarily removed from your home
- £2,500 contents in outbuildings
- £1,000 freezer cover
- £3,000 business equipment
- Accidental loss or damage to pedal cycles up to £500 each
More about your second home insurance policy
All year round specialist home insurance for second homes
Various types of second properties covered
Talk to our knowledgeable account managers about second home insurance for all types of second home, including:
- Houses
- Cottages
- Apartments
- Chalets
- Flats
- Villas
Family Legal Expenses Cover
Family Legal Expenses provides cover for a range of legal disputes covering domestic property, consumer contracts, employment disputes and professional negligence.
We would recommend that you read the policy wording and the key facts document to fully appreciate the cover provided and any exclusions and limitations.
- Consumer contract disputes for the purchase or hire of services for private use and the sale of privately owned goods
- Professional negligence disputes with solicitors, accountants and surveyors. You must have entered into the agreement after the start of this policy
- Employment disputes relating to your contract of employment with the exception of Directors
- Legal defence for prosecution in a criminal court out of the sale or supply of privately owned goods
- Loss of salary to attend a court or tribunal at request of the appointed representative or as a defendant provided the salary is not recoverable from the court
- Modest excesses of only £75 on all claims except employment disputes which are £250
- On all claims the amount in dispute must exceed £250 and the maximum paid out in a year is £50,000
- Boundary disputes in the first 180 days are not covered unless the policy is a renewal
Key Cover
Up to £1,500 of insurance cover should the keys attached to your issued fob are lost, stolen or are damaged in locks or ignitions.
We would recommend that you read the policy wording and the key facts document to fully appreciate the cover provided and any exclusions and limitations.
- Covers locksmith charges, new locks and keys, car hire and onward transport costs
- Covers all the keys on the fob including expensive car keys which can cost several hundred pounds
- Up to 3 days car hire to £30 per day if you are stranded or your car is unusable as a result of being lost, stolen or damaged
- There are some restrictions where cover does not apply which include:
- If the keys are lost, broken or stolen by someone else
- If there are duplicate keys available reasonably quickly
- Sums exceeding £50 per incident if an insured key is locked inside a property or broken in a lock or ignition
Underwritten by Towergate Underwriting the UK’s leading underwriter of specialist home insurance.
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.
What do our customers say?
'A proactive, competitive company – a change from the norm!'
Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.
'Competitive, and hassle free application. Hope any claims are the same.'
The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter
'Easy to work with, makes the process a breeze, the team understand my needs'
They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.
'Listened and made appropriate recommendations'
Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.
'Top of the class in every way'
Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.
'Refreshingly uncomplicated!'
They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.
'Exceptional customer service'
I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.
'This is how it should be done!'
I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!
'Attentive and excellent service'
Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.
'Highworth saved me £700 this year compared to Halifax!'
Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!
'Great service and saved lots of money!'
Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.
'Responsive and helpful throughout my quest for home insurance.'
I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.
'The right information clearly explained'
Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.
'Quick solution to a sudden problem'
Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.
'Outstanding service from highly skilled professional – exceptional'
Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.
'Efficient, polite and knowledgeable service!'
From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!