High Net Worth Home Insurance - Private Clients
We have designed our High Net Worth Home Insurance to provide worldwide cover on an all risks basis.
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Insurance Product Information Document (IPID) / Policy Wording
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Our policy can provide cover for the following sections:
| Buildings | |
| Tenants’ Improvements | |
| Tenants’ Greenhouses, Sheds and Outbuildings | |
| General Contents | |
| Fine Art and Antiques | |
| Gold, Silver and Plate (GSP) | |
| Watches and Jewellery | |
| Guns, Saddle and Tack | |
| Items in Banks and Safety Deposits | |
| Ride-on Lawnmowers | |
| Quad Bikes | |
| Plus Additional Covers and Cover Limit Increases |
Key benefits
| Standard Policy Excess only £99-£200 for Escape of Water and £1,000 for Subsidence | |
| NO EXCESS for Claims over £5,000, Subject to Policy Conditions | |
| Franchise Excess Available | |
| High Voluntary Excesses Available | |
| Low Entry Level Sums Insured of £250,000 for Buildings and £75,000 for all Combined Contents Sections | |
| High Maximum Sums Insured of £4,000,000 | |
| No Claims Bonus up to 25% | |
| Buildings and Contents Combined Discount | |
| Age of Proposer Discount | |
| Age of Property Discount | |
| Higher Sums Insured Discount | |
| Existing Policyholder Discount | |
| Cover Provided Worldwide | |
| Over 30 Additional Covers Provided at No Additional Cost |
Buildings Cover
Our Buildings policy provides cover against physical loss or damage on an all risks basis, plus the following additional covers at no extra cost:
| New Additions, Improvements or Alterations to the Buildings up to 30% of the Buildings Sum Insured | |
| Alternative Accommodation and/or Loss of Rent for You, Your Pets and Tenants for up to a period of 3 years | |
| Alternative Accommodation for You and Your Pets if you are Prohibited from Accessing the Home for up to a period of 3 years | |
| Additional Expenses and Fees, Including Architects, Surveyors, Engineers, Debris Removal and Making Safe | |
| Closed Circuit TV up to £10,000 | |
| Essential Adaptations or Alterations to the Home Following Injury up to £50,000 | |
| Fatal Injury up to £50,000 per Person | |
| Fire Extinguishers up to £10,000 | |
| Fly Tipping up to £5,000 | |
| House Sales – Anyone Buying Your Home will have the Benefit of the Buildings Cover | |
| Increased Water Charges up to £10,000 | |
| Index Linking Applied Monthly | |
| Landscaped Gardens up to 10% of the Buildings Sum Insured | |
| Replacement Locks up to £5,000 | |
| Temporary Removal of Permanent Fixtures up to 10% of the Buildings Sum Insured | |
| Trace and Access of Water or Oil up to 10% of the Buildings Sum Insured | |
| Underground Services, Including Tanks, Pipes, Sewers and Drains up to the Buildings Sum Insured | |
| Property Owners’ Liability up to £5,000,000 | |
| Defective Premises Act up to £5,000,000 | |
| Buildings extended replacements costs up to 30% of the Buildings Sums Insured | |
| Emergency Access | |
| Legal Advice Service for Personal Legal Problems |
Contents Cover
Our Contents policy provides cover against physical loss or damage on an all risks basis anywhere in the world, plus the following additional covers at no extra cost:
| Alternative Accommodation, Rent You Have to Pay and Loss of Rent for You, Your Pets and Tenants up to 30% of the contents sum insured | |
| Alternative Accommodation for You and Your Pets if You are Prohibited from Accessing the Home up to 30% of the Contents Sum insured | |
| Book Debts of Your Home Business up to £5,000 | |
| Closed Circuit TV up to £10,000 | |
| Computer Data up to £5,000 | |
| Contents in Storage up to 30% of the Contents Sum Insured | |
| Credit Cards up to £30,000 | |
| Death of an Artist up to 200% of the Items Sum Insured | |
| Deeds, Registered Bonds and Personal Documents up to £10,000 | |
| Defective Title up to 15% of the Contents Sum Insured | |
| Domestic Oil up to the Contents Sum Insured | |
| Domestic Staff Contents up to £10,000 | |
| Fatal Injury up to £50,000 per Person | |
| Fire Extinguishers up to £10,000 | |
| Freezer and Refrigerator Contents up to £5,000 | |
| Gap Year Students’ Personal Possessions up to £7,500 | |
| Garden Plants, Shrubs and Trees up to £10,000 | |
| Gift Purchases up to 25% of the Contents Sum Insured | |
| Guests’ Personal Possessions up to £10,000 | |
| Hole in One Cover of £600 | |
| Increased Water Charges up to £10,000 | |
| Marquees at the Home up to £30,000 | |
| Money up to £10,000 | |
| New Purchases up to the Value of the Item Purchased | |
| Professional Removals up to the Contents Sum Insured | |
| Replacement Locks up to £5,000 | |
| Residential Care Contents of Parents up to £10,000 | |
| Rewards up to £10,000 | |
| Underground Services, Including Tanks, Pipes, Sewers and Drains up to the Contents Sum Insured | |
| Occupiers’ Liability up to £5,000,000 | |
| Personal Liability up to £5,000,000 | |
| Court Awards up to £2,000,000 | |
| Accidents to Domestic Staff up to £10,000,000 | |
| Tenants’ Liability up to £2,000,000 | |
| Contents extended replacement costs up to 25% of the General Contents Sum Insured | |
| Legal Advice Service for Personal Legal Problems | |
| Fine Art and Antiques extended replacement costs up to 200% of the Items Sum Insured | |
| Nest Removal | |
| Watches and Jewellery Extended Replacement Costs |
Contents cover can also be extended to increase the policy limits for items in the open, business contents and contents in garages/outbuildings.
We can also provide an appraisal service where can assess the buildings, contents and valuables, and provide an assessment of the insurance needs and requirements. There is a fee for this service, depending on the size of the risk – please contact our office for further details and costs.
Cover for all sections is subject to the full terms, conditions, limits and exclusions of our Private Clients Home Insurance policy wording. Please click the Summary of Cover button above to view or download a current copy of this policy wording.