HOME & CONTENTS INSURANCE
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.
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.
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:
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.
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.
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.
Private Health Insurance pays for healthcare treatment in private medical facilities. The scope of the cover varies considerably depending on the options you select.
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.
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 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
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.
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.
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.
Many life insurance plans will pay out early if you are diagnosed with less than 12 months to live.
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.
Forever a Parent – Kay’s story
In May 2013, Kays world changed forever. Hear Kay tell her story and find out how life insurance helped her and her family when they needed it most.