platinum home insurance hub.

introducing our new high net worth product.

We’re really excited to be expanding our product range. The new product, aimed at high net worth customers will provide a solution for your customers with higher sums insured. Developed by our specialist, dedicated underwriting team, our offering is comparable to many of the leading providers and we’re confident that however complex your customer’s needs, we have the expertise to provide the most appropriate solutions and coverage.

key features.

  • New sum insured limit of £5,000,000
  • Capacity for Platinum from HDI Global Specialty SE, A+ rated, plus Arc/AmTrust for family legal and home emergency
  • Ability to cede to Flood Re

You can find all information relating to the key benefits, exclusions and terms & conditions of the policy through the policy wording and IPID document links in the Documents section, below.

platinum product overview.

All risks worldwide cover
Warranty Free
Alternative accommodation and loss of rent5 years
Locating the source of a leak£25,000 outside the home
Compulsory evacuation1 year
Emergency access to home (including gardens)Unlimited
Replacement locks/keysUnlimited
Loss of solar or wind generated electricity cover£5,000 
Disability through injury – home improvements£100,000
Property owner’s liability  £10,000,000
Occupier’s & personal liability £10,000,000
Employer’s liability £10,000,000
Additions and substitutions25% of the contents sum insured for 90 days
Loss of metered water/oil£10,000
Deeds & documents Unlimited
Bicycles    Unlimited
Contents in a nursing home 20% of the contents sum insured
Office equipment £20,000
Business stock £10,000
Student possessions20% of the contents sum insured
Unspecified item limit – fine art, antiques & collectables£50,000
Unspecified item limit – jewellery & watches£35,000
Guests’ personal effects £10,000



obtaining a quotation.

In order to provide you with terms as quickly as possible, please complete our new quote submission form as it asks all of the information we would need to provide a full quote. Once completed, please send it to

contact us.

We’re always happy to talk about our products and services. If you think Bspoke Private Clients could help you with the placement of your mid or high net worth insurance business, you can contact us in the following ways.

We’d love to hear from you.

T:  0333 400 0473