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bira insurance FAQ’s

Q: Who are Towergate?

A: Towergate is an Insurance intermediary serving both commercial and personal clients. We have been appointed by bira to develop a range of added value insurance policies for you. With some products Towergate act as your broker, sourcing the right policy from a panel of insurers. With other products Towergate work with a particular insurer who will provide a policy designed for a particular purpose e.g. the bira members Retail insurance policy.

Sharing your passions – Our members live and breathe the things they need to insure and so do Towergate. From knowing the different needs between types of trading activities, to understanding your unique business. Towergate has built an enviable reputation for delivering added value products for our member’s businesses, lifestyles and their personal possessions too.


Q: What do you mean by added value products for bira members?

A: You wouldn’t go to a mechanic who didn’t know a socket wrench from a screwdriver, so why would you rely on an insurance provider who doesn’t know their field inside out? Towergate keep their finger on the pulse of the changing world and constantly seek out ways to innovate and better serve our members. An example of this is the research undertaken prior to building the Retail policy that takes care of member’s businesses. The goal we set Towergate was to provide bira members with the best value business insurance in the market – bar none. Towergate swiftly followed this up with the Premier Elite Home Insurance policy that includes financial protection for losses that are not insured in the standard market e.g. damage caused by domestic pets and cover for hobbies e.g. non powered marine craft and high value pedal cycles. And, for bira members, there is no reduction in Home insurance claims payments for innocent underinsurance.

Q: How long has Towergate been around?

A: Towergate began its journey in 1997, and since then they have acquired over 300 specialist insurance companies and employ over 5000 staff who have helped make Towergate the largest independent insurance intermediary in the UK. Whilst Towergate may have only recently celebrated its 21st  birthday, many of the companies they acquired have long and rich histories that continue to expert insight and customer service.

Q: If Towergate are so substantial, why haven’t I heard of them?

A: Towergate are part of the Ardonagh Group of insurance companies. As a broker, Towergate take a “behind the scenes” role which is different to insurance companies you see advertised on the TV. However, Towergate work with many of the insurers you have heard of such as Lloyds, Axa, RSA and Aviva to implement policies suitable for insuring the items and businesses that are so important to our members. Sometimes, Towergate will go out to more than one of these insurers to find you the appropriate cover at a price that’s right for you.

Q: What do Towergate offer that makes them the best bet for bira members?

A: The product provided is only available to bira members. It  includes loss of income cover with no excess deducted, loss of income paid if there is an insured incident at premises nearby and access is denied to your premises, full theft cover, Cyber support online system, Legal Expenses, price matching and a 24 hour claims service.

Last updated 24/10/2018

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bira insurance, Towergate and Towergate Insurance are trading names of Towergate Underwriting Group Limited. Registered Address: Towergate House, Eclipse Park, Sittingbourne Rd, Maidstone, Kent ME14 3EN.

Registered in England with company number 4043759. Authorised and regulated by the Financial Conduct Authority.