Buildings

• We recognise your home and its contents are a highly valuable asset to you. We can insure your home, including listed buildings or buildings of special interest. We can also insure second homes or privately owned property portfolios through our Real Estate specialist practice
• We provide bespoke comprehensive cover through market leading insurers with enhanced policy wordings
• Cover not only includes main building but also and not limited to outbuildings, garages, sheds, summer houses, gyms, swimming pools and health complexes, stables, tennis/sports courts, paddocks and land

Contents

• We can cover all your contents providing high limits of indemnity and also itemised cover for items of high individual value
• If contents require a valuation, we can arrange it on your behalf through our partners at a preferential fee
• We cover all standard and non-standard household items including, jewellery, antiques, sports equipment, technical equipment including laptops, phones and home entertainment systems and money
• Possessions can be covered away from the home location including cover for students at university or for parents in care homes

• We can arrange for additional properties to be covered either on an individual basis or on a multiple property portfolio policy all placed on a specialist property owner’s policy wording which will include additional features such as rent protection, damage by tenants, cover for HMO and many additional features

• If you have properties abroad we can cover them and also commercial properties as well

• If refurbishment to properties or conversions are being undertaken, we will ensure you have the right cover in place and can check subcontractor insurance cover (i.e. Builders) to give you peace of mind for parents in care homes

• We provide cover for collections which may include, jewellery, fine art and paintings, books, stamps, coins, guns, medals, wine, memorabilia and many more often less known items

• Cover can be included under the main household policy although sometimes it is written on a collection by collection basis to give the widest specialist cover and take in to account sums insured

• It can be challenging to arrive at a correct sums insured value for collections. We can provide advice on this through our partners, including having collections valued if required

• It can be more competitive to insure motor vehicles directly online. If this is the case we will tell you to do so and assist you as required to achieve this. Integrity is one of our guiding principles

• However, sometimes it is important for you to use a broker to insure a more diverse range of vehicles such as prestige, classical vehicles, horse boxes and trailers, mobile homes, caravans, motorsport vehicles or indeed vehicle collections

• We have access to the specialist insurers who insure these vehicles and will ensure the cover provided is bespoke to your needs and competitively priced

• We arrange family policies or on an individual basis

• We insure pleasure craft, houseboats, yachts associated equipment and trailers

• We also arrange breakdown cover and gap insurance for vehicles as often the claim settlement received following an accident is less than the value paid for the vehicle

• We can provide travel policies on an individual or whole family basis including family members travelling separately which may happen from time to time

• We ensure that the full range of activities being undertaken are covered, such as skiing, other sports or activities which may be deemed higher risk

• We will ensure that cover is provided for pre-existing medical conditions and if a claim was to occur there is 24hr support available from the insurer for you

• We can provide a range of additional services delivered in house or through trusted partners. These services in are support of ensuring the effective protection of your assets, health and wealth

• Valuations. We can provide insurance reinstatement/replacement valuations on buildings, contents, collections, motor and marine to ensure you are insured on the correct basis and not left exposed through under insurance or indeed sometimes over insurance

• We can undertake the compilation of contents inventory, including photographic/video records held securely to support you should a loss occur

• Risk Management. We can provide a range of risk management services, such as security advice at your home to ensure it is well protected, including specifications of security systems and suppliers. We can even provide advice on overseas travel locations and arrange Kidnap & Ransom cover if it is required

• Private Medical Insurance (PMI). We have a preferred partner who are specialists in arranging PMI on an individual or family basis, ensuring the cover is bespoke to you and in the event you require treatment, it is delivered fast and to the highest standards