Each policy is under written on its own merits. As brokers we would take time to go through with you what it was you were looking for from your insurance policy. This can be done either face to face or over the phone, but from that moment on you can rest assured you are in safe hands. We don’t type your details into a computer to get quotations – we would speak directly to underwriters who have the knowledge and ability to be able to look at each cases unique values. From our experience of working in this area, we only use the insurers that have a proven track record of being able to offer a great policy, and more importantly, a great claims service as well. We do not use insurers who we have previously had problems with over a claims settlement. And we don’t use insurers that do not have a good credit rating.
Once we have spoken with the markets that we believe would best suit the type of policy you are looking for, we would then come back to you with our ideas and recommendations. From interest free direct debit, to free appraisals of the property to ensure that the sums insured are correct, each policy really is as individual as the policyholder.
One High Net Worth Insurance policyholder lost a vintage Rolex whilst sailing in a waterpark. The watch was of huge sentimental value as it had belonged to his father. The insurer understood this, and arranged to send out a diver to see if the watch could be recovered. Luckily the water was clear and the watch was found. If it had not been recovered, the insurer would have paid the agreed value of the item of £35,000 with no deduction - allowing for the watch to be replaced or not, as the policyholder wished.
A standard insurer would have simply offered the current market value of the watch, at the time around £28,000, less any policy excess.
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