Private Clients Insurance

All insurers need to know about any building works before they commence at your property. We would need to gather information surrounding any JCT contract signed, including whether the occupant has or has not moved out for the duration of the build, the total value of the work, the expected duration, and a description of what the work entails. Our team will then liaise with the insurer and advise next steps to provide options to ensure both the existing structure and the contracted works are covered. 

When new jewellery is added to a collection through purchase, gifts, or inheritance during a policy year, we should be notified of the description and value of the item to ensure it is covered adequately. If the item exceeds the single article limit of the policy, we will then need proof of purchase or a recent valuation. 

To ensure the values are up to date on the schedule, and to avoid disappointment in the event of a claim, most insurers require valuations every 3 years for jewellery and watches. 

As a specialist broker for Private Clients, we have access to high-net-worth markets which are not available direct, or through comparison websites. We can provide a unique risk appraisal and audit your current policy documents to find a tailored policy to suit your specific needs. 
We are also able to put you in touch with specialist third parties, who can assist with jewellery valuations, rebuild cost valuations, security upgrades, flood defences and more.

All our high-net-worth insurers can provide cover for your portfolio, this means that we can arrange one policy to cover your main home, second homes, holiday homes, travel, and motor policies.