We have a designed policy for this insurance to provide world wide cover on all risks basis. There are unfortunately minimum premiums apply.
Key features;
- All risk cover provided worldwide
- Entry levels sum insured £250,000 for buildings and £75,000 for general contents
- Franchise access available
- High voluntary excess available
- High maximum sums insured
- Over 30 additional covers provided
- Index linking
- Legal liability cover
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Cover available;
- Buildings
- General contents
- Fine arts and antiques
- Gold, silver and plait
- Watches and salary
- Guns, saddle and tact
- Items in bank and safety deposits
- Ride on lawnmowers
- Quad bikes
- Additional costs – please requested
Public owners liability and legal liability to the public.
When buildings only or buildings and contents are insured, property owners liability and legal liability of the public are covered. If the contents only are insured, the legal liability to the public is cover. £5 million cover is provided.
Cover for court awards and defective premises Act 1970 is also provided as standard.
Standard Cover provided.
Buildings – additional covers;
- Additions, improvements and alterations
- Alternative accommodation and loss of rent, including pets and prohibition
- Additional expenses
- Buildings extended replacement costs
- Close circuit TV
- Emergency access
- Essential adaptions and alterations to the home
- Fatal injury
- Fire extinguisher expenses
- Fly tipping
- Buyers benefit
- Increased water charges
- Index linking
- Landscape gardens
- Legal advice service and personal legal problems
- New additions, improvements and alterations to the buildings
- Replacement locks
- Temporary removal of permanent fixtures
- Trace and access
- Underground services
- £5 million property owners liability
- £5 million legal liability under the defect to premises Act 1972
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Contents – additional covers;
- Alternative accommodation
- Rent has been paid and loss of rent including pets and tenants
- Book debts
- Close circuit TV
- Computer data
- Context extending replacement costs
- Contents in storage
- Credit cards
- Death of an artist
- Deeds
- Register bonds and personal documents
- Defective title
- Domestic charges
- Domestic staff contents up to £10,000
- Fatal injury
- Fine art and antiques extended replacement costs
- Fire extinguisher expenses
- Freezer and refrigerator contents
- Gap year students personal possessions
- Garden plants, shrubs and trees
- Gift purchases
- Guest personal possessions
- Whole in one cover up to £600
- Increase water charges
- Legal advice service for person legal problems
- Marquees at home
- Money
- Nest removal
- New purchases
- Professional removals
- Replacement locks
- Residential care contents of parents permanently residing in a residential care or nursing home up to £10,000
- Rewards up to £10,000
- Students contents up to £10,000
- Underground services
- Watches and jewellery extended replacement costs
- £5 million occupiers liability
- £5 million legal liability to the public
- £2 million court awards
- £10 million accidents to domestic staff
- £2 million tenants liability
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