Private Clients

Our role is to make your personal insurance as simple as possible to understand and arrange. Plus, we can often streamline your insurance administration. Rather than juggling policies with various renewal dates and premiums, you may benefit from a portfolio approach.

With years of underwriting policies for private clients at specialist insurers, we have the expertise to help protect your valuable assets. During a claim we help ensure the matter is managed by the insurer as quickly and fairly as possible.

Insuring higher value assets doesn’t simply mean paying a higher premium for the larger sums insured. Getting it right requires dedicated cover and services. An off-the-shelf or online policy can be dangerously inadequate when your homes, possessions or cars are anything but ordinary.

We would be delighted to chat or meet to demonstrate how we can be of help.

• Prestige property & contents

  We can arrange cover for a diverse range of properties in the UK and vacation homes in some European locations. The rebuild value of main homes typically exceed £1 million, and total contents values are more than £100,000 plus jewellery, art and other collections.

  We only select specialist insurers in the Private Clients sector who understand and protect higher value homes and assets. Worldwide, all risks cover for possessions, extended replacement cost cover and an agreed value approach are high on our checklist of key benefits.

  

• Jewellery

  We arrange specialist cover for single items or collections. This can be a separate policy or within a home policy. We seek vital covers such as ‘agreed value’ for specified items, extended replacement cost cover and ‘pairs and sets’ cover. Plus, a flexible approach to automatically covering newly acquired pieces.

  Image courtesy of Boodles

  

• Fine art and collections

  Whether a modern or traditional art collection, on display in the home or elsewhere, we can tailor cover to suit you. We arrange policies that include features such as agreed value, physical loss worldwide, loss of value after restoration and newly acquired cover. Specialist services such as valuations, restorations and transportation can be accessed via our network.

  Fine art cover can be arranged as a separate policy or within a specialist home policy.

  

• High value modern and classic cars

  Cover can be for single cars or collections: performance, supercar or classics; everyday, family, staff or estate vehicles. We can help simplify multiple policies into a more streamlined approach. Value can often be gained by combining motor cover within a household policy, and also when there are more cars than drivers. We know that features such as agreed value, a like-for-like courtesy car and unlimited foreign trips are all important to our clients.

  

• Yacht/boat

  Such specialist assets demand a specialist broker so we work with selected partners to provide the appropriate knowledge and insurance protection. As your central contact, we manage solutions to provide cover for the level of cover you wish (typically third party/third party fire & theft/comprehensive).

  

• Renovation insurance

  We can arrange separate cover if you undertake significant home renovations. Due to the increased risk of fire/other damage during renovations, it is usually difficult to automatically cover such works under some existing home policies. The additional policy may include buildings, contents, trace & access and theft of materials.

  

• Travel

  We do not arrange travel as a standalone policy, but it is often included as a benefit within some specialist home policies.