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You’ve worked HARD for your home. Please insure it properly... |
Your home is something special. Make sure your insurance is too! |
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High Net Worth Home Insurance
Definition - High net worth home insurance caters especially for the owners of homes with a higher rebuild cost than most. Policies vary but, generally, insurers offer policies with minimum sums insured of £250,000 for buildings and £50,000 or £75,000 for contents.
Features - Insurers offering this type of policy recognise that the owners of such properties have special insurance needs: ü Buildings are often: § to a much higher specification § “one offs” § have architectural interest or are “Listed” buildings. ü Homes are larger, policyholders are usually financially successful and so have more contents, which are often of higher value. ü Being successful themselves, policyholders are used to providing high standards in their work and have high expectations on service.
How we can help - We understand the range of policies available, some underwritten by Lloyd's of London, others by insurance companies and how they can meet your expectations for wide cover and good service.
Service Note - we have found the service offered by specialist high net worth insurers to be far superior to that offered by home insurers of the more “ordinary” policies. This extends past simply issuing the policy to advice on security, access (usually at cost) to specialist valuers and to excellent claims service. The scope of cover is more comprehensive too.
Policies are often totally flexible. This allows your insurance contract to meet your precise requirement without paying for benefits which you don't need. In many cases insurers are prepared to give covers, such as: ü Annual travel cover (no need to waste time arranging cover for each trip). ü RAC motor breakdown including Europe ü Family motor fleet (to cover all vehicles) ü Pleasure craft ü Caravan ü Interest free instalment payments plan ü Up to £5,000 towards the cost of tracing leaks ü Garden re-landscaping costs up to 5% of the sum insured or a maximum of £50,000 ü Up to 2 years' alternative accommodation ü Automatically covers newly acquired contents and valuables for 45 days. ü Personal effects of guests and non resident staff ü Refrigerated or frozen food spoilage ü Lost or stolen keys ü Contents worldwide all risks is usually included in the price: no need to remember to tell us you are taking your best jewellery on that cruise. ü Personal and business documents ü Gifts ü After claims survey when your client has suffered a claim for loss or damage and requires assistance with risk management. ü Up to £10,000 towards upgrading security systems following an assault. ü Up to £15,000 towards essential alterations to the home if a family member is disabled through injury. ü Good no claims discount
To arrange a quote, copy the contents of the box below this paragraph to your clipboard, paste it into an e-mail ( click here), then complete the answers as appropriate. Note: it’s common for us to need a discussion to perfect your quote. A daytime telephone number (preferably a landline) is therefore essential.
Note: We will, if required (and we agree), hold covered for up to 30 days whilst we are waiting for the completed proposal form and valuations.
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· Risk Management Service to help reduce risk & cost. · Insurers chosen from the whole Lloyd’s & insurance company market. · Wide business experience to help you. · Professional connections for when you need them. |
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High Net Worth Home Insurance |
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Moneynotion Limited |
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Fully Independent Advice on Insurance, Mortgage, Financial Advice and Risk Management |
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High Net Worth Household Quotation Form
PROPOSER INFORMATION
Mr/Mrs/Ms/Title Surname Initials Date of birth Occupations
Claims history over last 5 years (please give details of dates, what happened and the settled amount of the claim)
START DATES Buildings contents
THE HOME Address Postcode Daytime telephone number Full description including date built, whether extended, listed status, if a flat, the floor it is on
Are the buildings and outbuildings of standard construction, occupied daily, free of subsidence, landslip and heave? Yes/No Fitted with five lever mortice deadlocks on all external doors? Yes/No Key operated window locks on all accessible windows and key operated top and bottom bolts on french and patio doors? Yes/No Fitted with a bells only / central station / Redcare / or
other alarm? (Specify which) Is there a safe or strong room? Yes/No Other relevant information including whether any planned
refurbishment in next 12 months Increased excess (state which) £250/£500/£1,000/£ other (state)
SUMS INSURED
BUILDINGS Main home/Tenants improvements Outbuildings Total
CONTENTS Business contents £10,000 Total
FINE ART & ANTIQUES Furniture, paintings, tapestries, rugs, books Sculptures and ornaments in the grounds Sculptures in the home, porcelain and glass Clocks, barometers, mechanical and objets d'art Gold, silver, platinum, pewter, plate and precious stones Stamp and coin collections, wines, memorabilia Other collectibles such as models, dolls and guns Total Permanently kept in safe at home All other jewellery and watches Guns |