Cover

Home & Personal Possessions Insurance

We understand that everyone’s lifestyle is unique, family, interests and hobbies bring with them certain insurance requirements. We can arrange cover to meet all your additional needs including:

• Overseas properties
• Yachts and pleasure crafts
• Family fleets
• Collectors' cars
• High value cars
• Annual worldwide travel insurance
• Helicopters and light aircraft

Finding a suitable policy to satisfy your individual requirements rather than those of an insurer can often be a problem. We are all bombarded with attractive offers of insurance that claim to be low cost but on closer inspection the cover may not be adequate to meet your expectations in the event of a loss.

Such offers usually come at a price such as onerous security conditions or cover limitations which are not always apparent until you have examined the small print in detail.

Some of the main benefits of policies we arrange include

• Warranty-Free Cover. Invariably the policies we arrange are warranty-free to ensure that you can enjoy your personal possessions without the restraints which apply to many standard policies.
• World-Wide Cover. World-wide cover is provided for your valuable articles and all of your contents.
• Extended Replacement Cost Option. Many insurers will pay the cost to rebuild your home even if the reconstruction cost exceeds the sum insured. Some will even pay the reconstruction cost (up to the sum insured) if you choose to rebuild elsewhere - or not at all. With the complimentary appraisal service provided, you are relieved from the burden of establishing an adequate sum insured.
• No Conditions of Average. Many policies contain no penalties for under-insurance.
• Replacement Cost Cash Option. Insurers generally offer full 'new for old' cash settlement on personal property. You can decide if you wish to replace the item.
• Agreed Value. Specified valuables are insured on an agreed value basis so you know exactly what you will get in the event of a covered loss. For partial losses, cover also includes loss in market value.
• No Proposal Forms. No proposal forms, no claim forms or signed declarations are necessary with most insurers.
• Identity Fraud. It is estimated that 10% of the population in the UK may suffer financially as a result of the theft of their identity. Many insurers now offer as standard cover to help with the cost incurred in reclaiming your identity following such a fraudulent act.
• Claims. It's when you make a claim that you really find out how good your insurer is. We recognise that this is one of the most important ingredients of the service we offer. We use our experience to ensure that we place cover with insurers with a record of good claims service.