Pedal Cover

high net worth home insurance

Do you have possessions between £100k – £500k? Do you have a bicycle fleet worth in excess of £50k? Do you have an expensive collection of jewellery or an art collection? If so you need high-value home insurance which has generous limits and fewer limitations than our standard home insurance.

5 Star Reviews from TRUSTPILOT​

For wealthy clients requiring more than standard home insurance

When you have high-value homes and contents, you need to be confident you have the right cover level. That is why we provide three tiers of protection on our high net worth home insurance, Prestige, Ultra & Ultimate. We’ve made sure our policies are top-rated according to the industry standard. We can also provide cover for holiday homes, overseas properties and building works.

Bespoke insurance with even fewer restrictions

  • All risks worldwide cover, with minimal constraints
  • No onerous security conditions, or maximum sums insured limits
  • Alternative accommodation up to 5 years
  • Property owner’s & personal liability, both £5,000,000
  • Unlimited pet damage cover, unlimited pedal cycles cover
  • Business property up to £20,000

COMPARE high VALUE home insurance

We provide three tiers of high net worth home insurance, Prestige, Ultra & Ultimate, have a look here to see what they cover.

Prestige Home Ultra Home Ultimate Home
All risks worldwide cover ✔ ✔ ✔
Alternative accommodation/loss of rent (Buildings) 2 years 3 years 5 years
Trace & access £10,000 outside the home £15,000 outside the home £25,000 outside the home
Compulsory evacuation 30 days 30 days 1 year
Emergency access to home (including gardens) Unlimited Unlimited Unlimited
Replacement locks/keys Unlimited Unlimited Unlimited
Disability through injury – home improvements X £50,000 £100,000
Property owner’s liability £5,000,000 £10,000,000 £10,000,000
Alternative accommodation (Contents) 2 years 3 years 5 years
Occupier’s & personal liability £5,000,000 £10,000,000 £10,000,000
Employer’s liability £10,000,000 £10,000,000 £10,000,000
New acquisitions/additions 20% of the contents sum insured for 60 days 25% of the contents sum insured for 60 days 25% of the contents sum insured for 90 days
Loss of metered water/oil £2,500 20% of contents sum insured Unlimited
Deeds & documents £2,500 £10,000 Unlimited
Bicycles Unlimited Unlimited Unlimited
Contents in halls of residence/residential care £5,000 £10,000 20% of the contents sum insured
Business property £10,000 £20,000 £20,000
Business stock £10,000 £10,000 £10,000
Fatal injury £5,000 £50,000 £100,000
Unspecified item limit – fine art, antiques & collectables £15,000 £25,000 £25,000
Unspecified item limit – jewellery & watches £5,000 £10,000 £25,000
Money £2,500 £5,000 £5,000
Guests’ personal effects £5,000 £10,000 Unlimited
Reward X £5,000 £10,000
Defective title cover £100,000 £100,000 £100,000
Market appreciation cover – specified fine art 150% 150% 150%
Family legal expenses £100,000 £100,000 £100,000
Home emergency cover £500 £1,000 £1,000
Identity fraud service ✔ ✔ ✔