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Listed below are some of the unique benefits you can expect with 'high value' household insurance. Exact benefits vary with insurer.
- World-Wide Cover is provided for your valuable articles and all of your personal possessions and contents on all risks basis including accidental damage.
- Warranty-Free Cover meaning there are no onerous security conditions which dictate when security devices should be put into operation thus ensuring that you enjoy your personal possessions
to the full.
- No Conditions of Average. No under-insurance penalties.
- Superior Claims Handling. Cheques issued within 48 hours of agreement.
- Extended Replacement Cost Option. The insurer will pay the cost to rebuild your home even if the reconstruction cost exceeds the sum insured.
- Valuable Articles Cover. Agreed values for specified items. Acquisitions cover for Fine Art, Jewellery and Precious Metals. Restoration and depreciation cover. Broad Pairs and Sets cover. Cash claim settlement with some products. Single Article Limit for unspecified items £5,000
- World-Wide legal liability cover for all family members. Cover includes libel slander and defamation of character.
- Replacement Cost Cash Option. Full 'new for old' cash settlement on personal property (no deduction for wear and tear). It's up to you to determine if you wish to replace the item.
- Optional Worldwide travel insurance can be provided with some of the widest cover and highest limits available. All family members can be covered including domestic staff.
- Restoration costs and any resulting depreciation
- Payment methods. Monthly Direct Debits.
- Complimentary appraisal services or after claims survey assistance
- 24 hour helplines
- Garden relandscaping costs
- Children at University. Can include automatic cover for clothing, personal items, TV, computer etc. whilst at university or college
- Alternative accommodation. Can include alternative accommodation for family, pets and horses.
- Trace and access cover for water or oil leaks.
- Money and credit card cover
- Business equipment cover. Up to £ in the home.
- Homeworkers cover
- Second homes. Can include cover for second homes, even outside the UK
- Defective title. For contents, valuables and Fine Art
- Household removals cover
- New purchases
- Christmas Gifts. An increase on your contents value during the Christmas Season
- Legal expenses cover. For an incident involving you and your family. The cover amount varies but is usually limited to between £50,000 and £75,000
- Guests effects
- Jury Service compensation
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Unique benefits of High Value Household Insurance