INSURANCE FOR YOU

HOME & CONTENTS INSURANCE

 

The emergence of internet comparison websites has changed the way some people source their insurance and the simple truth is that a one size fits all approach is rarely sufficient to protect all your assets.

In fact using a broker like RK Henshall gives you a similarly broad access to a range of markets – with the added benefits of personalised advice and a significantly more transparent approach. Home insurance is a complex type of insurance contract and, all too often, not fully understood. Your house is the heart of your family and probably is your most valuable possession.

Home Insurance protects it and shouldn’t be something that is treated lightly. At RK Henshall we will make sure it’s properly protected with the correct cover and insurer. In the event that you may need to make a claim we will offer you advice and support and work hard to get a resolution that ensures you will not be out of pocket for too long.

CAR, VAN, TRUCK & MOTORCYCLE INSURANCE

 

Individual or small multi vehicle policies are available from our team bringing back personal service in arranging policies and assisting with claims.

Our strength is in gathering the right information from you and tailoring your policy accordingly. If the computer says “no”, we will contact insurers on your behalf and individually underwrite your policy.

Our approach means that every customer will receive a bespoke service from a dedicated account handler, on all forms of motor insurance.

We can deal with ex-company car drivers, mirror no claims bonus deals or deliver multi-car and mini personal fleet policies.

This cover can be extended to include modified vehicles, kit cars, rally cars, imports, drivers with convictions, disabilities and those who have been refused elsewhere.

PRESTIGE INSURANCE

 

At RK Henshall Private Clients we pride ourselves on providing unique, high net worth insurance quotations designed specifically to meet the needs of our individual clients. Our high net worth, private client insurance scheme is another example of the specialist markets that we, as an independent broker, are able to offer.

We arrange cover for everything from high value homes, contents and valuables to individual works of art, supercars and yachts. We also arrange cover for country houses, estates and farms.

Our team of high net worth insurance specialists work to:

  • Understand your requirements
  • Find options from a broad range of insurers
  • Help you find a solution that is right for you and your lifestyle

 

LANDLORDS & PROPERTY OWNERS

We can offer tailored and comprehensive insurance policies to suit all types of properties including:

  • Non residential / commercial lettings
  • Residential lettings
  • Unoccupied property

We can provide cover for a wide range of tenants:

  • Professional/Private lets
  • Asylum seekers
  • DSS
  • Students

For residential property owners we can offer rent guarantee and legal expenses cover.

Rent guarantee will pay the rent arrears whilst the tenant still occupies the property and is defaulting on the rent due. Legal expenses will pay the legal costs and expense relating to repossession, property damage, eviction and legal defence.

“We work tirelessly to find a solution that fits your requirements with the best possible insurers. When you need help most we are here to help.”

- Melanie Woolrich, Personal Lines Manager

HOLIDAY HOME INSURANCE

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It is so important to understand that Holiday Home insurance differs from that of your main home.

Insurers often include clauses within a policy that need to be understood and complied with. Whether your second home is in the UK or further afield we can help you choose the policy that is right for you.
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You may use the property as a source of income by renting it out or you may keep it solely for use by family and friends. Both of these facts have an impact on the cover that you need. When you rent your holiday home out commercially you need to make sure that you have the correct liability insurance in place to deal with today’s growing claims culture. Our specialist caravan & motorhome insurance policies have been developed to offer you fantastic protection at a competitive price.

TRAVEL

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WE CAN PROVIDE YOU WITH INSTANT, HIGH QUALITY TRAVEL INSURANCE INCLUDING; SINGLE TRIP, ANNUAL MULTI TRIP, WINTER SPORTS, BUSINESS TRAVEL, GAP YEAR & BACKPACKERS AND PRE-EXISTING MEDICAL CONDITIONS COVER.

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PROTECTION FOR YOU AND YOUR FAMILY

PRIVATE MEDICAL COVER

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Private Health Insurance pays for healthcare treatment in private medical facilities. The scope of the cover varies considerably depending on the options you select.

CORE COVER

Most plans will cover inpatient and day patient treatment in full which means that you would be covered for treatment, testing and consultations where a hospital bed is required either overnight or just for the day.

OUTPATIENT COVER

To cover initial consultations and diagnostic testing where a hospital bed is not required a level of outpatient cover will need to be selected. This is recommended to avoid NHS outpatient waiting lists

ACCIDENT SICKNESS & UNEMPLOYMENT COVER

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Accident, sickness and unemployment cover will provide you with an income to meet your outgoings if you are off work, sick, have an accident or are made redundant

ACCIDENT & SICKNESS

When the ‘Own Occupation’ definition of incapacity is used the policy can pay out for any medical condition that prevents you from working in your own specific job role.
As income protection policies do not use a set list of conditions they cover and many insurers do not have any standard exclusions, income protection is the most comprehensive form of incapacity insurance available.

UNEMPLOYMENT

Some plans also have the option where the policy can pay out should you suffer forced redundancy, or there are some policies that cover unemployment only.

LIFE COVER AND CRITICAL ILLNESS

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ON DEATH

Should you pass away during the policy term it pays out a tax free lump sum to your loved ones so they can cover core financial commitments during such difficult times.

TERMINAL ILLNESS

Many life insurance plans will pay out early if you are diagnosed with less than 12 months to live.

CRITICAL ILLNESS COVER

Provides protection against the risk of a serious illnesses such as heart attack, cancer and stroke paying out a lump sum should you suffer any one of 35-50 critical illnesses.

“As truly independent advisors, we can offer a range of products tailored to suit your requirements. Our advice is free and impartial and we are happy to talk to you anytime.”

- R.K. Henshall & Co Ltd