High Net Worth Household

It doesn’t matter whether you own a single house, multiple homes, villas and chalets around the world, a Georgian country retreat or a city penthouse – our High Net Worth Insurance policies are designed to provide protection for you from any unpleasant surprises at the time of a loss, with a level of cover and the support of your Private Client Manager and claims team to minimise any associated stress.

Avoid under-insurance through the use of the Insurer Appraisal Service

Unlike many other insurers, our partner insurers don’t make under-insurance your problem by leaving you to guess the amount of cover you need. Our High Net Worth insurers have their own teams of expert appraisers who provide a free service to establish the current rebuild cost of your property.

“All Risks” Worldwide Cover, including Accidental Loss and Damage

The High Net Worth Insurance policies we arrange provide some of the broadest cover available – meaning all your possessions are automatically covered wherever you’re in the world for accidental loss and damage, including breakage – even if this occurs during travel or in storage.

Replacement on a “New For Old” basis

In the event of a loss, our private clients benefit from policies paying you what it costs to replace the item today, up to the agreed level of your sums insured.

All Homes on one policy

We’re able to include all your properties onto one policy which enables them all to benefit from the same exceptional cover on the same policy as your main residence.

Identity Fraud and Family Protection Cover

Our private clients benefit from extensive cover for identity fraud, kidnap, carjacking, aggravated burglary, air rage and stalking incidents within a home policy. Our partner insurers’ cover will help to overcome the financial, physical and emotional trauma of such occurrences.

Other covers included or available depending on the partner insurer up to the following sums insured/limits:

  • Cover for money in a safe
  • Lock replacement
  • Tracing and accessing leaking pipes
  • Loss of oil cover
  • Loss of water cover
  • Business equipment
  • New acquisitions cover
  • Identity fraud protection
  • Survey & appraisal service