Gold cover is our specialist MNW home insurance product, combining comprehensive cover with generous limits and flexible protection for clients whose homes and possessions require more than standard household insurance.
High quality capacity from market leading insurers
Greater flexibility for higher value and complex risks
Including legal expenses, home emergency, ID fraud & cyber
Helping us consider eligible properties in higher risk areas
High value homes and lifestyles can bring more complex insurance requirements. Our appetite includes:
We are unable to provide cover for the following risks:
Thatch properties
Unoccupied properties
Previous flooding (unless eligible for Flood Re)
Significant commercial activity
Grade 1/Grade A Listed properties
Platinum cover provides broader cover and increased limits for clients with higher-value homes and possessions, including:
Cover for alternative accommodation for up to three years if your client is unable to live in their home following an insured event.
Generous single article limits of up to £25,000 for jewellery, watches and fine art.
Automatic cover for newly acquired jewellery, watches and fine art for up to 60 days, giving clients time to notify us.
Cover for student belongings while living away from home, up to £15,000 per claim.
Cover for minor building works and home improvements up to £75,000, providing added protection while work is underway.
Protection for garden machinery and equipment up to £10,000 per claim.
Up to £10,000 towards eligible security, environmental and escape of water or flood protection improvements.
Added peace of mind as standard including legal expenses, home emergency, identity fraud support and personal cyber helpline
Access the latest Gold policy documents, including the Policy Wording and Insurance Product Information Document (IPID), to help you understand the cover and support conversations with your clients.