Towergate Insurance
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Overcharged and Unprofessional to deal with
I was recommended Towergate by a reputable insurance company after my mum died and I needed unoccupied insurance. Given the circumstances I didn't shop around as had no knowledge of this kind of insurance and I was dealing with the loss of a parent so just opted for it. I now know I massively overpaid and having spoken to them about renewal would also say they were unprofessional and inflexible. I now wanted a policy that I could change from unoccupied to landlords insurance as the property is on the rental market and their suggestion was to take a 3 month policy out at 50% of the cost of an annual and accept if I rented in the 3 month window that I wouldn’t get anything back if I cancelled, then give them more money for an overinflated landlords policy. So instead I found a Which article on landlord insurance and tried calling others. I was astounded to find an equivalent occupied policy was 45% cheaper than Towergate and they would happily at no extra charge switch me over to a landlord policy that would halve the cost again. As for Towergates staff, when I went to renew they were unprofessional to talk to, laughing and joking, seemed to need to try multiple times to transfer me again and again, spent ages asking questions they already had answers to from my previous policy and stated paying for 3 months for almost as much as an annual policy which cost 50% of an overinflated annual one was my only option. I cannot emphasise how much you should shop around whatever your circumstances and however difficult the situation you are in is.