Towergate Insurance Reviews 1,836

TrustScore 3.5 out of 5

3.4

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

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Review summary

Based on reviews, created with AI

Most reviewers were somewhat happy with their experience overall. People appreciate the attentiveness and patience of some staff members, who go the extra mile to find suitable policies. Some consumers were pleased to find cheaper and better alternatives suggested by the company. A few reviewers mentioned specific employees who provided professional and helpful service. The reasonable prices and comprehensive coverage options were also appreciated. However, a significant number of consumers reported negative experiences. Many reviewers express frustration with customer service, citing issues such as being cut off during calls, unhelpful or rude representatives, and a lack of follow-up. Some people also mention difficulties in getting policy-related issues resolved, with some describing the organization as disorganized and inefficient. The contact experience is generally considered adequate.

Based on these reviews

Rated 4 out of 5 stars

Company took two weeks to allocate a payment. I rang 3 times in one week to get this sorted and to make sure I was fully insured. After being fobbed off twice, Zara from tower gate sorted the issue wi... See more

Company replied

Rated 2 out of 5 stars

Recently renewed my landlord insurance for the ninth year in August. I only just noted that they left out Landlords home emergency cover which I always included so contacted them to include this impor... See more

Company replied

Rated 2 out of 5 stars

Absolutely appalling customer service, I tried to call to renew my policy and was cut off 4 times. When someone eventually spoke to me they could not explain the policy wording or give me any confiden... See more

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Rated 2 out of 5 stars

I rarely leave reviews, but the difference in service between Towergate and competitors like Westminster was striking. I filled out Towergate's online form and got a call the next day, but after mis... See more

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Rated 5 out of 5 stars

This is my third year using Towergate for my Business Public Liability Insurance. Gavin Blay is ‘my go to man’ always gets back to me… absolutely 💯 professional service ‘a breathe of fresh air’ after... See more

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Rated 5 out of 5 stars

Very helpful staff. Easily understood insurance process ie non complicated. Attentive and patient. Price was very reasonable. Got the cover i needed. Overall for 1st time using this company I hope nex... See more

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Rated 5 out of 5 stars

I was surprised and pleased when Trustgate reached out to me to suggest an alternative policy which was actually cheaper and better. An unfortunate administrative mix-up followed, but thanks to the... See more

Company replied

Rated 5 out of 5 stars

Towergate were helpful and willing to listen to find ways to help. Linda who I dealt with went out of her way to find a mutually acceptable policy for us...whereas other companies refused to budge an... See more

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Rated 5 out of 5 stars

The insurance assistant was very helpful and extremely patient while we worked out the best policy over the phone. Then she emailed the quote so I had a chance to look at it on paper. I was then confi... See more

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Rated 5 out of 5 stars

Needed policy to cover an unoccupied house and was helped over the phone from start to finish by very helpful staff. Quick response on any telephone enquiry. Would recommend to anyone especially wit... See more

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Rated 5 out of 5 stars

Not the usual customer experience, took time to answer questions, gave clear answers. No background noise. 10/10 service from Abi. Will use again!

Company replied

Rated 5 out of 5 stars

Very easy to use for setting up an account for my home insurance. Best quote and cover and price and the young lady I spoke with was very helpful polite and friendly definitely use them again

Company replied

Rated 2 out of 5 stars

Poor experience, use you for over 10 years but now you advise , at late notice that your insurers won’t renew my current product. Before I receive your letter I get multiple calls stating I’m looking... See more

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Rated 5 out of 5 stars

I initially did a quote online and this was followed up with a phone call from them. I spoke with Esmie who was very knowledgably and super nice, she suggested I went for a different product than I ha... See more

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Rated 1 out of 5 stars

I spent considerable time completing their (pretty exhaustive) online form for both our home, then our separate holiday let, which results in both policies going to "Under Review" status on Towergate... See more

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Rated 1 out of 5 stars

Terrible terrible service- not covered me for what I have asked, have asked for changes to be made since November- still not done by Feb. My renewals are due next week, and not even sent anything back... See more

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Rated 1 out of 5 stars

Terrible terrible service- not covered me for what I have asked, have asked for changes to be made since November- still not done by Feb. My renewals are due next week, and not even sent anything back... See more

Company replied

Rated 1 out of 5 stars

Terrible service, dishonest staff who don't get back to you as promised for simple amendments Edit: I have already given you the details required. Your employee Matt should be fired for awful custo... See more

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Rated 5 out of 5 stars

Needed a landlord insurance policy. Filled in details online but then had to speak to someone - what a relief when Sydney was so easy to deal with

Company replied

Rated 1 out of 5 stars

Absolutely disgusting company my sister inlaws boiler broke in her carvan rang the insurance to make a claim they saying every time you leave your carvan you have to drain down!! What cost £250 who in... See more

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Rated 1 out of 5 stars

I had Professional Risks Insurance with Towergate, with legal advice, for many years. I have now cancelled. The only time I needed to contact them for legal advice the insurer (Markell Law)just kept s... See more

Company replied

Rated 1 out of 5 stars

I don’t usually write reviews, but I have found reviews helpful in the past and so want to highlight that this company has deteriorated in a variety of ways since I first used them. Their call centres... See more

Company replied

Rated 1 out of 5 stars

Called the emergency number on our Towergate policy as our heating broke down. It was outsourced to Devon Based Solutions who had no knowledge of our policy. They said to try Ark Legal who also had no... See more

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Rated 1 out of 5 stars

Worst insurance I've ever dealt with. I wanted driver instructor insurance. Not only did they sell me a policy that wasn't suitable with the underwriter they used i got charged my entire deposit of £1... See more

Company replied

Rated 1 out of 5 stars

This company practises extortion! We are stuck with Towergate due to a "blight”. We insure a property that flooded over ten years ago and although we have carried out extensive flood prevention... See more

Company replied

Rated 1 out of 5 stars

Beyond painful. 19th Century processes. These guys were chasing us for ages to become our broker. Then we we agreed to try them out they had us provide lots of information, before proceeding. T... See more

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Rated 1 out of 5 stars

I came here to warn others of my experience of towergate business insurance, and am not surprised whatsoever to see all the recent 1 star reviews! I have been with Towergate for 13 years, and am... See more

Company replied

Rated 1 out of 5 stars

One of my properties was up for automatic renewal. We always pay the complete amount in one payment. This time the so called auto renewal put me on to a credit agreement paying monthly. I haven’t sign... See more

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Rated 1 out of 5 stars

Used the online form to attempt to get a quote. They rung me 5 times on the same day! Then next day the same until I had to block them! No email contact, no voicemails, just relentless missed calls! A... See more

Company replied

Rated 1 out of 5 stars

I called TOWERGATE Insurance and was left on hold for 1 hour and 45 minutes only to put the phone down after getting so sick of it I called back when I put the phone down thinking it may be a lag in t... See more

Company replied

Rated 1 out of 5 stars

Don't bother Disgusting Appalling, Took Driving Instructor Insurance with this company, paid for the full year, unexpectedly bought a new teaching car, called to do a change of vehicle, I expected to... See more

Company replied

Rated 1 out of 5 stars

I was insured with Pace Ward for ~18yrs on a specialist multi vehicle policy before they were taken over by Towergate. I should have known it was going to be painful when they couldn't initial... See more

Company replied

Rated 1 out of 5 stars

Denied their own email existed and used it as an excuse not to cancel my insurance within the cooling off period that I emailed them about. (I discovered their policy was vastly over priced and found... See more

Company replied

Rated 1 out of 5 stars

Had my static home insurance with these…the service was shocking after having to make a claim…one of their CS people told me it was my responsibility to recover the money from the person who drove t... See more

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Rated 1 out of 5 stars

I understand that Towergate are now going to be calling themselves "Everywhen". They seem to be putting a huge amount of effort into the rebrand- while none at all into retaining loyal customers. Aft... See more

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Rated 1 out of 5 stars

Took my payment twice due to constant malfunctions in their payment system and have not done anything to return despite me informing them . Staff seem uninterested and told me it is a credit control i... See more

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Rated 1 out of 5 stars

This company has wasted a huge amount of my time. Last year I approached them for holiday let insurance a month before the renewal date for a cottage that had previously flooded. The interviewing pr... See more

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Rated 1 out of 5 stars

We cancelled our policy because we sold our caravan. A return premium was due. I was assured it would be back in my account in 10 days. It didn't arrive. I called back and was told something had gone... See more

Company replied

Rated 1 out of 5 stars

I am extremely disappointed with Tower Gate Insurance Brokers. I have a claim through Lewis Abbott, who are insured through these brokers, and I have received absolutely no help or support from them.... See more

Company replied

Rated 1 out of 5 stars

Tried to amend my long standing holiday home insurance policy to a Main residence home insurance policy. After 11 telephone calls and nearly 3 hours (over the period of a week) on the phone, being pas... See more

Company replied

Rated 1 out of 5 stars

I have been with this company for over 10 years, I could not re new my insurance via the website, So phoned up was told someone would phone me back waited 3 days and I phoned them back up for the wome... See more

Company replied

Rated 1 out of 5 stars

This is by far has one of the worst customer service centres for actually doing their job, calling you back when they assure you they will & after 15 years with them, and having lousy service for the... See more

Company replied

Rated 1 out of 5 stars

I had a 1-year policy with them and paid the whole year's amount. The duration is not over yet, and I had asked for a refund 2 months ago. Till now, I haven't been refunded and have been told "It d... See more

Company replied

Rated 1 out of 5 stars

Terrible! First person I spoke to get a quote for home insurance was great, I now think an exception. Towergate needed some more details (eg locks)so called back with these once I had them. Next 3 d... See more

Company replied


Company details

  1. Insurance Agency

Information provided by various external sources

We have over 200 specialist insurance policies designed for your businesses, properties, passions, and most things in between.


Contact info

3.4

Average

TrustScore 3.5 out of 5

2K reviews

5-star
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1-star

Replied to 100% of negative reviews

Typically replies within 1 week

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Rated 1 out of 5 stars

Expensive, disorganised and disappointing

I don’t usually write reviews, but I have found reviews helpful in the past and so want to highlight that this company has deteriorated in a variety of ways since I first used them. Their call centres seem totally disorganised, they don’t return calls or send information as agreed. My last experience was so bad that I moved to a different company that is efficient as well as much cheaper.

January 30, 2026
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for your feedback, we’re sorry to hear your recent experience didn’t meet expectations. Your comments about communication and organisation are taken seriously and we’re reviewing this internally. We appreciate you sharing your concerns and would like to gather some further details. If you could respond to the form we have sent with your contact and previous policy details, one of the team will be in touch.

Rated 1 out of 5 stars

I have been with Tower gate since ,2019…

I have been with Tower gate since ,2019 I have never made a claim until now which was turned down.It is true saying you don't know how good your insurance company is until you make a claim.
Will not be staying with a company I can't trust.

January 21, 2026
Unprompted review
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Reply from Towergate Insurance

Thank you for sharing your experience. We’re sorry to hear that your recent claim didn’t meet your expectations, especially after being with us since 2019. We understand how important trust is, and we take your feedback seriously. If you’d be open to discussing the details, we’d appreciate the chance to review what happened and see whether anything further can be done. If you can respond to the form we have sent with your contact and policy details, one of the team will be in touch.

Rated 1 out of 5 stars

I have never beeUnable to access online account for years – postcode/login system issuen able to successfully…

I have never been able to successfully log in to my online account.

Every attempt to log in tells me that my password is incorrect and asks me to reset it. During the password reset process, the system requires postcode verification, but it repeatedly says the postcode is incorrect, even though I am entering the correct UK postcode for my insured rental property.

This has been happening for many years, meaning I have never been able to access my account at all. This is not a simple password reset issue, but a fundamental problem with the login or postcode verification system.

I have raised this issue before but it has never been properly resolved. I am posting this review publicly in the hope that the company will finally investigate and provide a solution.

January 8, 2026
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for sharing your experience with us. We are sorry you’ve been unable to access your account for so long. If you can contact our team via the form, we have sent with your contact information and policy details, we’ll investigate the postcode validation and get your login working. Everywhen.

Rated 2 out of 5 stars

After more than 15 years trying to get…

After more than 15 years trying to get a to confirm that the Solor panel are included in the renewal quote took 7 days and still haven’t confirmed and keep diving me off that they are waiting for the underwriter to confirm

December 17, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for your long-standing loyalty over the past 15 years. We are very sorry to hear how difficult it has been to get confirmation about your solar panels being included in your renewal quote. If you can respond to us via the form, we have sent with your contact and policy details so we can get this to the right team quickly to resolve. Towergate.

Rated 1 out of 5 stars

Not covered after claiming

We took out a liability insurance policy with towergate only to find that when we tried to put a valid claim through it was denied saying we were not covered
!! Sold a policy that is invalid we are looking for a full refund

December 12, 2025
Unprompted review
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Reply from Towergate Insurance

We’re very sorry to hear about the experience with your recent claim. We understand how important it is for liability cover to provide peace of mind, and regret that this situation has left you feeling let down. Please contact us via the form we have sent with your contact and policy details so we can get this to the right team quickly.

Rated 1 out of 5 stars

I bought holiday home insurance which…

I bought holiday home insurance which was a nice policy more focused on my needs. All good purchased the policy but then noticed my payment was taken twice. This was at the end October. Its now December 12th. Despite 4 telephone calls (30 mins plus each in time), emails and now one official complaint still no refund when they can clearly see a double payment was taken. Real shame as policy and staff great but no one actually able to solve my problem, just blamed on the accounts department.

December 9, 2025
Unprompted review
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Reply from Towergate Insurance

Thank you for providing us with a review, we’re very sorry to hear about the duplicate payment and the delay in resolving this for you. While we’re pleased the policy itself met your needs, we understand how frustrating this situation has been. If you can respond to the request for information with your name, policy and contact number, we will escalate this with the right team.

Rated 1 out of 5 stars

Worst insurance I've ever dealt with

Worst insurance I've ever dealt with. I wanted driver instructor insurance. Not only did they sell me a policy that wasn't suitable with the underwriter they used i got charged my entire deposit of £117 plus an additional £4 which was cancellation fee and admin fees. What an absolute joke. Furthermore a month on from it being cancelled they take a further £117.73 first monthly payment for a policy in dont have. Upon calling im told I have to wait 4 days for the unauthorised payment to be processed then a further 5 working days for the refund. What an absolute bunch of clowns. I would avoid at all costs

December 1, 2025
Unprompted review
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Reply from Towergate Insurance

Thank you for taking the time to provide us with a review. We’re sorry to hear about your experience and the issues with your policy and payments. This is not the level of service we aim to provide, and we regret the frustration caused. We have sent a request for your policy and contact details which will enable us to investigate promptly.

Rated 2 out of 5 stars

Disappointing experience

Recently renewed my landlord insurance for the ninth year in August. I only just noted that they left out Landlords home emergency cover which I always included so contacted them to include this important cover. However I was told by Towergate ( now called Everywhen) that they would not add this cover mid way through the policy despite of their omitting to include this in the quote! Clearly Everywhen/ Towergate do not value their longstanding clients which is very disssppointing.

November 24, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for your review, we’re sorry to hear about your disappointment and the omission of home emergency cover on renewal. We value our longstanding clients and regret that this has not been reflected in your experience. Please contact us directly via the form we have sent with your policy and contact details so we can review this and discuss the options available to you.

Rated 1 out of 5 stars

Terrible Organisation

We have been paying monthly for over 10 years. Recently our park home needed an external wall repaired due to a problem with water in the void area between the internal and external wall, which wasn't visible until it damaged the external wall.. On their instruction we called out a specialist who wrote a report and quoted £3,950 to complete the work
All documents were sent to Davies the claims team for Towergate and there the problems started. Although we had £500,000 cover for structural repairs, they decided it was our fault for not repairing it sooner IT WASN'T VISIBLE for some months, and said it came under "gradual" repairs
From my first phone call with them, they never contacted us (by phone, email or post) I spent 8 weeks having to call them, they never responded to email....They didn't return my calls or let us know the outcome of our claim. Every time I called the claims team, I spoke to ANOTHER handler and had to explain it all again!!
Eventually I spoke with someone on the 18.11.25 who informed me a letter from their technical response team should have been sent to us and they emailed it over to me.... it was dated 04.11.25 - 2 week's previously, but never sent to us..
We have had to cover the costs ourselves, so I've cancelled my policy, I refuse to pay any cancellation fee and they've lost a good customer of 10 years, who paid over £60 per month without fail...
DON'T USE THIS COMPANY

November 22, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for providing us with a review. We’re very sorry to hear about your experience and the difficulties you faced with your claim. We understand how frustrating this must have been, especially after being a loyal customer for so many years. Your feedback highlights areas where our communication and service fell short, and we will be reviewing this internally. Please contact us directly with your policy details so we can look into this further and ensure your concerns are properly addressed.

Rated 5 out of 5 stars

A refreshingly honest company

I was surprised and pleased when Trustgate reached out to me to suggest an alternative policy which was actually cheaper and better. An unfortunate administrative mix-up followed, but thanks to the kind and patient help from Ladi O on customer support, all was fixed with the minimum of fuss. The point is that mistakes do happen in the real world, but the key is finding a company willing to listen, take notes, and find a solution, in this case very fast. Full credit to Ladi who certainly exceeded expectations.

(Note--Towergate are in the middle of a change of branding to Everywhen, so this review may equally apply to them.)

November 12, 2025
Unprompted review
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Reply from Towergate Insurance

Thank you for such a thoughtful review. You’ve summed up exactly what matters to us. Things don’t always go perfectly, but listening and acting with care makes all the difference. We’re so glad we were able to turn a mix-up into a positive experience and exceed your expectations.

You already know we’re rebranding to Everywhen, and your experience reflects what we stand for. The name is new, but the commitment to protecting what matters most is the same.

Thank you again for giving us the chance to make things right.
Towergate Insurance (soon to be Everywhen)

Rated 5 out of 5 stars

Very helpful staff

Very helpful staff. Easily understood insurance process ie non complicated. Attentive and patient. Price was very reasonable. Got the cover i needed. Overall for 1st time using this company I hope next year's premium will be keen.

November 6, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for taking the time to share your experience.
We’re so pleased to hear that our team made things feel clear and supportive from the start. It’s important to us that getting cover feels straightforward and reassuring, and we’re glad the price felt fair too. We’re here whenever you need us and we look forward to being just as helpful next time you need us.
Towergate Insurance

Rated 1 out of 5 stars

Denied their own email existed to charge me cancellation.

Denied their own email existed and used it as an excuse not to cancel my insurance within the cooling off period that I emailed them about. (I discovered their policy was vastly over priced and found another 60% cheaper). When I phoned to find out what was going on, it was over 14 day cooling off period and they refused to accept i had emailed them and charged me when I cancelled. I WENT TO FINANCIAL OMBUDSMAN AND WON, got my money back eventually. Watch out for these incompetent jokers and don't let them get away with ripping you off!!! I wonder how many people they have done this to?? Also, I don't need any empty apologies after this review Towergate, there is nothing more to say.
* Update, Towergate want my details to confirm this is genuine, I have sent them my original complaint number and name. I DO NOT WANT TO HEAR FROM TOWERGATE, you can do what you want with your internal investigations, I am not interested anymore.

May 28, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you for sharing your experience with us. We’re truly sorry to hear about the situation you described and understand how frustrating this must have been for you. While you’ve mentioned that you do not wish to be contacted, please know that we take feedback like this very seriously and will be investigating what happened internally. If you are happy to do so, please can you respond to the request for more information and provide us with your previous policy reference, email, and phone number so we can get this to the right team.

Rated 1 out of 5 stars

Hello... is anyone there???

I spent considerable time completing their (pretty exhaustive) online form for both our home, then our separate holiday let, which results in both policies going to "Under Review" status on Towergate portal. Two weeks later and... no response. Total time wasters...

October 24, 2025
Unprompted review
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Reply from Towergate Insurance

Thank you for providing us with a review, we're sorry to hear about your experience and the frustration it’s caused. That’s certainly not the service we aim to deliver. We’d like to investigate this for you—if you could respond to our Trustpilot request with your contact details and any reference numbers you have, we’ll make sure it reaches the right team to investigate and follow up. Thanks for giving us the opportunity to put things right.

Rated 1 out of 5 stars

Horrible company to deal with

I was insured with Pace Ward for ~18yrs on a specialist multi vehicle policy before they were taken over by Towergate. I should have known it was going to be painful when they couldn't initially tell me if they offered track day insurance.

On Saturday 30th August I sold all my vehicles. When I returned home I tried to call them to cancel my policy, but their phone lines were closed. I therefore called first thing on Monday 1st September and the policy was cancelled.

It turns out however that despite it being their phone lines closed they decided to charge me £156 for the full month of September, even though I couldn't contact them to cancel any sooner. Not exactly great customer service.

I've sent several emails since and they are all ignored.

Would not recommend this company to anyone.

August 30, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

We're very sorry to hear about your experience, especially given your long-standing relationship with us. We completely understand how frustrating this must have been, and it's certainly not the standard of service we strive to provide. We've sent you a Trustpilot request asking for a few details—if you could respond there with your contact information and policy reference number, we'll make sure it reaches the right team to investigate. Thank you for giving us the opportunity to make things right.

Towergate Insurance

Rated 5 out of 5 stars

Great customer service

Great customer service. I felt acknowledged and important to the team.

October 17, 2025
Unprompted review
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Reply from Towergate Insurance

Hi Maria,
We’re genuinely thrilled to hear that you felt acknowledged and important, because you absolutely are. Every interaction matters to us, and it’s wonderful to know that came through.
Towergate Insurance

Rated 5 out of 5 stars

Needed a landlord insurance policy.

Needed a landlord insurance policy.
Filled in details online but then had to speak to someone - what a relief when Sydney was so easy to deal with

October 10, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

So glad Sydney made things easy - that’s exactly what we’re here for. Thanks for taking the time to share your experience.
Towergate Insurance

Rated 4 out of 5 stars

great staff very knowlegable

October 2, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Hi John, thank you for providing us with a review, always great to hear our team's expertise is making the difference. Towergate Insurance

Rated 5 out of 5 stars

Very polite,helpful

Very polite,helpful, efficient

September 26, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Thank you so much for your kind words. We're really pleased to hear you found our team polite, helpful, and efficient - it's exactly the experience we aim to deliver.
Towergate Insurance

Rated 5 out of 5 stars

Very friendly and helpful service

Very friendly and helpful service. A straightforward, simple and uncomplicated transaction.

September 24, 2025
Unprompted review
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Reply from Towergate Insurance

Hi Tony,
Thanks for the lovely feedback. We’re really glad the process felt easy and straightforward, that’s exactly what we’re aiming for. And it’s always nice to hear our team made it a positive experience.
Towergate Insurance

Rated 5 out of 5 stars

Not the usual customer experience

Not the usual customer experience, took time to answer questions, gave clear answers. No background noise.
10/10 service from Abi. Will use again!

September 24, 2025
Unprompted review
Towergate Insurance logo

Reply from Towergate Insurance

Hi Jez,
Thanks for sharing this, it’s great to hear Abi gave you the time and clarity you needed. We really appreciate you taking the time to leave a review.
Towergate Insurance

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