From the list below choose one of our FAQs topics, then select an FAQ to read. If you have a question which is not in this section, please contact us.

We provide driving other cars cover for the named policyholder only, under our Private Car policy. None of our other motor insurance policies provide this cover as standard. Please contact us if you need further information on this.

Making a claim with Tower Insurance is easy. Just give us a call using the information on our Contact Us page. If you are in Douglas, why not pop into our office and talk to us. We will find out what has happened and help you get the right solution based on the policy you have with us.

These are items such as jewellery, watches, clocks, articles of precious metal, pictures and furs. Your policy will have a maximum limit payable for unspecified valuables. Our mid and high net worth products, Preferred and Prime Choice, provide much higher limits than our standard Choices home insurance. Please ask us for more details.

It is important that you accurately disclose who the main driver of any vehicle will be. Failure to do so may invalidate the policy. If you are considering buying a car for your son/daughter, why not ask us first to see what the insurance cost would be. We can give you an indication based on a specific vehicle.

We can cover most drivers aged between 16 and 74 years old. In the case of young drivers, additional policy excesses normally apply as follows:

Under 21:                       £300 plus your chosen policy excess
Between 21 and 25:     £150 plus your chosen policy excess

An additional excess of £150 also applies to drivers over 25 holding a provisional licence, or who have held a full licence for less than 12 months.

These may vary under certain products and you should always check your policy wording and schedule to confirm the excess that applies to you.