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Cover for COMMERCIAL properties, plus
UNOCCUPIED commercial property

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Owners and home insurance

We are pleased to launch our new cover
for HIGH NET WORTH - Private Clients.
We offer cover for purpose built and house conversion FLATS or APARTMENTS

High Net Worth Home Insurance - Private Clients

Defaqto (5 Stars) : High Net Worth Home Insurance 2017
We have designed our High Net Worth home insurance to provide cover worldwide on an all risks basis.

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 £100 - £250 for Escape of Water and £1000 for Subsidence
  • NO EXCESS for claims over £5,000, subject 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 £4m
  • 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 up to 30% of the buildings sum insured
  • Alternative Accommodation for You and Your Pets if you are prohibited from accessing the home up to 30% of the buildings sum insured
  • Additional Expenses and Fees including architects, surveyors, engineers, debris removal and making safe
  • Closed Circuit TV up to £10,000
  • Emergency Access damage up to £10,000
  • Essential Adaptions 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 cover can also be arranged for Tenants Improvements and Tenants Greenhouses, Sheds and Outbuildings when the policyholder rents the property from a landlord.

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
  • Credits 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 £25,000
  • 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
  • Students Contents 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 cover can also be extended to increase the policy limits for items in the open, business contents and contents in garages/outbuildings.

We also can provide an appraisal service where we 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 below to view or download a current copy of this policy.




  
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