Health and Beauty Packages

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Our New Health and Beauty Packages

At Towergate Insurance, we want to make it easy and cost-effective for you when choosing additional covers to complement our health and beauty packages. That’s why, you will only be charged for the highest rated additional treatment no matter how many you select, on top of the packages listed below.

We now offer three health and beauty packages at a standard cost:

Packages	Premium including 12% Insurance Premium Tax (IPT)	Policy Production Fee (12.5%)	Our Admin Fee	Total Cost
1. Enhanced beauty: Including hair and nails, sports massage, and cartilaginous piercings	£65.52	£7.31	£7.50	£80.33
2. Hairdressing	£56.30	£6.28	£7.50	£70.08
3. Standard beauty, including nails, spray tanning and make up	£53.23	£5.94	£7.50	£66.67

Costs are based on; public liability limit of £5,000,000 any one claim or the aggregate of any series of claims arising out of one occurrence, with an inner limit for treatment liability of £1,000,000 any one period and the following excesses apply:

Public liability - £100 (any one claim); treatment liability - £1,500 (any one claim)

To be eligible for the above you must have the relevant certificates and qualifications for all professional treatments undertaken. All quotations are subject to answering the underwriting declarations satisfactorily.

Additional treatments can be added at an additional cost

Each additional treatment has its own extra cost and these fall into 4 pricing bands in the table below. The premium bandings range from £62.25 to £249.00 and include 12% IPT and a policy product fee. If you wish to include multiple additional treatments, you will be charged for the highest rated treatment.

The additional treatments and their pricing bands are detailed below and contain all fees.

Band	Premium Including 12% IPT and PPF*	Additional treatments
1	£62.25	Low power laser therapy for dermatological and chiropody. Red veins, thread veins skin tags, milia, warts, moles & spider naevi treatments by advanced electrolysis, electrical non invasive, veinwave, intense pulsed light, thermo coagulation and laser systems, cryopen and Plasma Pen. Micro dermabrasion, skin rejuvenation, photo rejuvenation and acne clearance by use of intense pulsed light, variable pulsed light, light heat energy and laser system. Inch loss by use of laser lipo (excluding smart lipo). HIFU, dermapen dermaplaning. Advanced electrolysis - advanced cosmetic procedures.
2	£93.38	Intense pulsed light, intense flash light, variable pulsed light or light heat energy hair removal. Cryolipo Intense flash light, variable pulse light or light heat energy hair removal.
3	£124.50	Micropigmentation (other than advanced micropigmentation) including microblading. Advanced micropigmentation (agreed trainers only). Micro needling, microrolling, dermapen, dermaroller and BB glow.
4	£249.00	Sclerotherapy by hypodermic injection / mesotherapy by use of injection, Pure hyaluronic acid treatment (non needle).

* The Policy Product Fee (PPF) is 12.5% of the premium excluding Insurance Premium Tax (IPT), if these additional treatments are added then the PPF will increase. Our admin fee remains the same.

Find out more

You can also spread the cost of your insurance cover over monthly payments with our direct debit option** www.towergateinsurance.co.uk/direct-debit.

For full details on what we can cover, and to obtain a quote, please visit www.towergateinsurance.co.uk/beauty-insurance.

** All finance quotations are subject to an interest rate equal to the annual percentage rate (APR) and the total cost of credit will be fully disclosed prior to discussing the application.

Email healthandbeauty@towergate.co.uk or call our dedicated team on 0344 892 1602