Property, motor, and valuables insurance for clients whose assets standard policies weren't built to price. We find where you're exposed before an insurer does.
These aren't edge cases. They're the most common reasons high net worth clients discover, usually at claim stage, that their cover fell short.
Most sums insured are set from an estate agent's guess or an online tool. Under the average clause, a home insured for two-thirds of its true rebuild cost only pays two-thirds of any claim.
Most mainstream insurers won't quote a Ferrari or equivalent for a driver under 30 at all. Those that do can price the same car at ten times an older owner's premium.
Over 70% of car thefts are now relay attacks on keyless entry, clustered hard in exactly the London postcodes many HNW clients live in.
Values drift for years between revaluations. When a claim lands, an outdated valuation is the single most common reason a payout falls short.
One policy, one point of contact, arranged through insurers who understand non-standard assets rather than declining them.
Main residences, second homes, and listed or period buildings, insured to a true rebuild figure rather than a market guess.
Performance, prestige, and classic cars, including cover for younger owners mainstream insurers won't touch.
Jewellery, watches, fine art, and other collections, covered at current value rather than what you paid.
No forms designed for a mass market. A private review of what you own, matched against insurers who specialise in exactly that.
A confidential conversation covering your property, vehicles, valuables, and where your current cover is likely falling short.
We take your risk to insurers and Lloyd's markets who underwrite non-standard assets as their core business, not an exception.
Annual reviews as values and circumstances change, plus direct support from us if you ever need to claim.
Illustrative examples of the kind of gaps a proper review tends to uncover.
Sum insured had been set from the original purchase price a decade earlier. A proper rebuild assessment put the true figure over £430,000 higher before any claim was ever made.
A client's son had been refused cover on a Ferrari 458 by every insurer he approached directly. Placed within a week through a market that specialises in younger performance-car owners.
A collection last valued five years earlier was covered for roughly a third less than current value. Revalued and rescheduled before it became a problem at claim stage.
We're not a comparison site. We're a broker who places risk mainstream insurers decline.
One person who knows your policies, not a rotating call centre.
Including Lloyd's syndicates that underwrite non-standard risk as a specialism.
Your data and asset details are never shared beyond what's needed to place cover.
The initial private review carries no obligation and no charge.
Straight answers on the areas where clients most often discover a gap.
Where trusted general advice stops applying once your rebuild cost, contents, or property type sit outside the standard market.
Motor InsuranceWhy comparison-site advice rarely reaches the insurers who actually want performance and prestige car risk.
Home InsuranceWhat separates a genuine high value policy from a standard one dressed up with a bigger sum insured.
ValuablesWhy recovery rates are so low on stolen luxury watches, and what that means for how a policy should be valued.
Home InsuranceWhat consent requirements mean for a claim, and why standard rebuild calculators get listed properties wrong.
ValuablesValuation, exhibition cover, and the gaps that appear when a collection is left on standard contents insurance.
What clients typically want to know before their first conversation with us.
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