Towergate Car Insurance Review
Towergate Insurance specializes in non-standard car insurance, including classic cars, modified vehicles, and high-value automobiles.
Company & Policy Details
Company Information
Established
1998
Underwritten by
Zurich Insurance PLC
Market Position
Customer Service Hours
Mon–Fri: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
AA
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Not available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Specialist vehicle expertise
- Agreed value policies available
- Modified car coverage
Available Features
Customer Service
Premium Range
From
£380.00
Average
£480.00
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What specialist vehicles do you cover?
We cover classic cars, modified vehicles, kit cars, and high-value vehicles that standard insurers may not.
How does agreed value work?
Agreed value ensures your specialist vehicle is insured for a pre-agreed amount rather than market value.
What about modifications?
We understand modifications and can cover most types with proper documentation.
Do you cover classic cars?
Yes, we offer specialist classic car policies with limited mileage options.
In-Depth Provider Analysis
Expert Analysis: Towergate Car Insurance
Towergate is a UK-based specialist insurance broker known for covering niche and high-risk drivers. It offers bespoke car insurance policies for unique needs such as classic cars, modified vehicles, imported cars, and drivers with unusual risk profiles. Towergate’s strength lies in its ability to build tailored solutions through experienced advisors.
Professional Editorial Review
Towergate is not for the everyday user – but it’s indispensable for those who can’t find suitable cover elsewhere. Their expertise is unmatched in the niche insurance space.
Market Position
Premium broker for non-standard and high-risk car insurance.
Pricing Strategy
Specialist – Pricing depends on risk profile and vehicle, not comparison averages.
Who Should Consider Towergate? A Detailed Analysis
Drivers with specialist cars, previous claims or convictions, or unique cover requirements that fall outside of mainstream insurers.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Excellent for hard-to-insure situations
Advisors with real underwriting experience
Can secure quotes not found on comparison sites
Well-regarded in specialist communities
Offers other niche insurance lines (e.g., motorhomes, taxis)
Important Considerations
Not suitable for basic or budget cover needs
Quotes require manual discussion – no instant online quotes
Premiums can be significantly higher due to specialist risk
Not focused on mobile or app-based servicing
What Makes Towergate Stand Out
Tailored car insurance policies for specialist risks
Cover available for modified, classic, and imported cars
Dedicated advisors for complex needs
Fleet and business-use policies available
Flexible terms for unusual driving circumstances
Claims Process Analysis
Claims processes vary depending on the underwriter. Towergate provides a claims helpline and facilitates support where needed.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Towergate is known for its advisor-led service. You speak to real people who understand your cover – invaluable in complex cases.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Towergate fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Towergate's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put Towergate's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 7/4/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Towergate
How does Towergate compare to other budget insurers in terms of value for money?
Towergate positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Towergate's claims process?
Claims processes vary depending on the underwriter. Towergate provides a claims helpline and facilitates support where needed. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Towergate suitable for young or inexperienced drivers?
Towergate can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Towergate for long-term coverage?
Towergate has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Towergate work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofTowergate's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Towergate for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Towergate
How to Get Coverage
- Visit Towergate's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Towergate directly for the most accurate and up-to-date quotes for your specific situation.