Platinum is our specialist HNW home insurance product, combining comprehensive cover with flexible underwriting and experienced support for clients with more complex requirements.
High quality capacity from market leading insurers
Greater flexibility for higher value and complex risks
Generous minor works cover available with Platinum
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:
Unlimited for eligible buildings following a qualifying appraisal within the last three years
Up to £35,000 for a single jewellery or watch item and £50,000 for fine art
Providing greater flexibility when clients are improving or renovating their home
Added peace of mind as standard including legal expenses, home emergency, identity fraud support and personal cyber helpline
For contents, including jewellery and watches
25% of the relevant sum insured for up to 90 days
Including student belongings up to 10% of the contents sum insured
Protection for garden machinery and equipment, with cover of up to £25,000 per claim.
Access the latest Platinum policy documents, including the Policy Wording and Insurance Product Information Document (IPID), to help you understand the cover and support conversations with your clients.