Moving, buying or renovating
Rebuild costs and cover during works are the two items that most often lag behind reality.
Personal insurance
Household risk, described properly.
Most household policies fail at the edges rather than the middle, such as an unoccupied period, an item above an inner limit, a use of a vehicle that was never declared. We start with those.
Request adviceWhere people usually start
Running a household with vehicles
Class of use, named drivers and mileage are the disclosures that carry the most weight.
Holding items above ordinary inner limits
Jewellery, art and collections usually need scheduling or a standalone policy.
Letting property or travelling regularly
Occupancy and declared medical history are the variables insurers weigh most heavily.
Personal classes in full
- 01Home & contentsCover arranged around the building you own, the things inside it, and the liability that comes with occupying a property.
- 02Private motorRoad-risk cover for private vehicles, including the classes of use, drivers and vehicle modifications that insurers ask about.
- 03Landlord & let propertyProperty owner's cover for let residential property, arranged around tenancy type, occupancy and the owner's liability position.
- 04Valuables & specieStandalone cover for jewellery, art, collections and other items where a household policy's inner limits are the binding constraint.
- 05TravelAnnual and single-trip cover, with particular attention to declared medical history, trip type and the activities being undertaken.
Availability of any class of cover depends on the risk presented and on insurers' own criteria. Nothing here is an offer of insurance or a statement that cover can be arranged for a particular address, vehicle or individual.
Before you enquire
Bring what you have. We will tell you what is missing.
A renewal notice and last year's schedule are usually enough to begin. Valuations, rebuild assessments and claims history can follow once we know what we are looking at.
Please do not send identity documents, bank details, card numbers or medical records through the enquiry form. If an insurer needs them later, they will be collected through that insurer's own process.
