INSURANCE FOR YOU | PROPERTY

Prestige Home Insurance

If the market value of your home is greater than £750,000 and your contents sum insured is greater than £85,000 then you should consider a more bespoke insurance solution and consider getting cover with an insurer who specialises in Mid or High Net Worth Insurance. This could be the best option for you if you need to insure collections of valuables, jewellery, artwork or antiques too.

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Why choose us?

Rebuild Cost Assessment

Arranged for minimal charge to ensure rebuild sum insured is accurate and you're not underinsured.

Claims Service

Helping you every step of the way if a claim occurs.

Market knowledge

Our knowledge of High Net Worth market gets the most appropriate deal for you.

Bespoke Cover Needed.

Getting the correct prestige home insurance cover can be tricky without expert assistance. Given the likely sums insured and the possible non-standard nature of your building and contents, you probably won’t be able to use an online comparison model to insure your property on the right basis.

We will help you every step of the way by doing a thorough review of your insurance requirements and then talking to underwriters who specialise in this area to get the right cover for you.

Bespoke Cover Needed.

Getting the correct prestige home insurance cover can be tricky without expert assistance. Given the likely sums insured and the possible non-standard nature of your building and contents, you probably won’t be able to use an online comparison model to insure your property on the right basis.

We will help you every step of the way by doing a thorough review of your insurance requirements and then talking to underwriters who specialise in this area to get the right cover for you.

Prestige home insurance cover available to you.

Buildings

Prestige home insurance for your home and its walls, fences, gates, hedges, permanent fixtures and fittings, alarm systems, driveways, paths, steps, terraces, patios, permanently installed swimming pools and hot tubs, ornamental ponds, fountains, swimming pool covers and accessories, hard tennis courts, solar panels and associated power- generating equipment, wind turbines used for domestic purposes and service tanks all on the same site including the underground services, inspection hatches and covers all supplying your home business equipment office furniture and office equipment, supplies and stock, all owned by you or your family.

Contents, Arts and Antiques

Cover for:

  • household goods, furniture and furnishings and personal effects
  • children’s battery powered ride on vehicles, motorised or pedestrian controlled gardening equipment, pedal cycles, electric wheelchairs, Class 1 or Class 2 mobility scooters and golf buggies
  • quad bikes that do not require a Road Traffic Act Certificate of Insurance
  • go-karts and off-road motorcycles with an engine size of 50cc or less
  • tenants’ improvements
  • fixtures, fittings and interior decorations for which you or your family are legally responsible as occupier and not as owner
  • aerials, satellite dishes and CCTV equipment
  • trailers and non-motorised horse-boxes
  • surfboards and hand or wind propelled watercraft not exceeding 12 feet in length and its associated equipment
  • art and antiques
  • jewellery and watches
  • outdoor items

Jewellery and Watches

Items that are worn or intended to be worn and made of gold, silver, platinum or other precious metals and/or set with precious or semi-precious stones. Items over a certain value will need to be specified on your schedule of cover in order to make sure that they are covered to their full value. Cover is also available for items kept in a safe at home, but only if the safe has the appropriate money limit.

Prestige home liability insurance

Occupiers, Personal and Employers Liability

Policies will normally cover you or your family, your domestic employees, for all amounts which you or they become legally liable to pay as damages in respect of accidental

  • bodily injury to any person
  • loss of or accidental damage to material property
  • obstruction, trespass or nuisance resulting in interference with or loss of enjoyment of material property arising as a result of
  • the employment of any domestic employee occurring within the territorial limits and in the rest of the world during a temporary visit not exceeding 90 consecutive days
  • any other act or omission of a personal nature committed within the territorial limits and in the rest of the world during a temporary visit not exceeding 90 consecutive days.

Property owners’ liability this cover is normally included if your buildings are insured with the insurer and covers you or your family for all amounts that you or your family become legally liable to pay in respect of accidental

  • bodily injury to any person other than you, your family or any domestic employee
  • loss of or accidental damage to material property arising from your ownership of Property and Land.

There are normally extensions available for Liabilities in respect of:

Country pursuits that take place on your land such as shooting or fishing

Organised events that take place in your garden or on your land such as charity fundraisers.

A High Net worth policy will come with a number of extensions that you will not find on a normal household policy :

Family Protection and Assistance

Lifestyle Protection.

Extensions of cover could include cover for:

  • Fatal injury or acquired disability
  • Trauma cover
  • Counselling fees
  • Stalking
  • Kidnap and ransom
  • Carjacking
  • Air rage and/or road rage
  • Fraudulent use of credit cards, bank or building society books

Home Emergency

Home Emergency cover is designed to protect you against sudden and unforeseen incidences (such as primary home heating system breakdown or burst pipes) or emergency access to home security experts.

Legal Protection

Legal Expenses Insurance provides you and your family with a range of legal help and support within areas such as employment and contract disputes and property and tax protection.

Home Cyber Protection

This will help to cover you against the risks which you may encounter online and to put things right if anything goes wrong. Examples include

  • Home systems restoration, professional assistance and computer virus renewal.
  • Cyber-crime cover including fraud, hacking and identity theft
  • Cyber Liability including data privacy and virus transmission

For further information and advice on prestige home insurance, simply pick up the phone today and contact one of our personal lines account handlers on 01270 758070 who will talk you through all requirements. Or contact us here. Feel safe in our hands.

Underinsurance Could Cost Family Almost Half A Million

A recent insurance claim highlighted the fact that relying on an online calculator to establish the rebuild cost of your property could mean that you are underinsured in the event of a claim. A family suffered a total fire loss but were underinsured by £500,000. Insurers estimated that it would only have cost in the region of another £100 to insure the property for the correct rebuild sum insured.

More here

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The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.