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 £6,000,000
- 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 rent | 5 years |
| Locating the source of a leak | £25,000 outside the home |
| Compulsory evacuation | 1 year |
| Emergency access to home (including gardens) | Unlimited |
| Replacement locks/keys | Unlimited |
| Loss of solar or wind generated electricity cover | £5,000 |
| Environmental Upgrade | £25,000 or 10% of the buildings sum insured |
| 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 substitutions | 25% of the contents sum insured for 90 days |
| Loss of metered water/oil | £25,000 |
| Deeds & documents | Unlimited |
| Bicycles | Unlimited |
| Contents in a nursing home | 10% of the contents sum insured |
| Office equipment | £20,000 |
| Business stock | £10,000 |
| Student possessions | 20% of the contents sum insured |
| Watercraft | £10,000 |
| Unspecified item limit – fine art, antiques & collectables | £50,000 |
| Unspecified item limit – jewellery & watches | £35,000 |
| Money | £10,000 |
| Guests’ personal effects | ✔ |
| Outdoor items | 10% of the contents sum insured |
| Reward | £10,000 |
| Defective title cover | Unlimited |
| Market appreciation cover – specified fine art | 200% |
| Contents extended replacement costs | 150% of contents sum insured |
| Home emergency cover | £2,500 |
| Family legal expenses | £100,000 |
| Identity fraud | £25,000 |
documents.
obtaining a quotation.
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
E: [email protected]
W: www.bspokeprivateclients.co.uk
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