Personal Products

High Net Worth household

Protection for damage to physical property, located in the Channel Islands, as well as its permanent fixtures and fittings. Cover for your high net worth goods, furnishings, personal possessions and other items which belong to you or any member of your household. All delivered through local underwriting capability and claims handling.

What we cover

Buildings, including:

  • Rent and alternative accommodation

  • Trace and access - escape of water or oil

  • Re-landscaping of gardens

  • Clearance of drains

  • Property owner’s liability

  • Pairs and sets

  • Acquired disability

  • Optional Open Market top-up

Contents (includes unspecified personal possessions), including:

  • New acquisitions - up to 20% of total contents sum insured or £50,000 (whichever is the lesser), up to 45 days from purchase date

  • Wedding Gifts

  • Unspecified personal possessions - 40% of the contents sum insured, subject to a £5,000 single item limit

  • Student possessions

  • Personal liability up to £5,000,000

  • Employer’s liability up to £10,000,000

  • Pairs and sets

  • Hole-in-one cover

Fine Art and Antiquities, including:

  • New acquisitions - up to 25% of total sum insured or £150,000 (whichever is the lesser) up to 45 days from purchase date

  • Death of artist provision

  • Pairs and sets

Precious Metals, including:

  • New acquisitions - up to 25% of total sum insured or £75,000 (whichever is the lesser) up to 45 days from purchase date

  • Death of artist provision

  • Pairs and sets

Personal Possessions (specified items), including:

  • New acquisitions - up to 25% of the total sum insured or £50,000 (whichever is the lesser), up to 45 days from purchase date

  • Money up to £5,000

  • Credit Cards up to £25,000

  • Pairs and sets

Additional benefits

Holiday Travel

For members of the Insured household under 70 years of age at the time of travelling including:

  • Personal accident cover up to £50,000

  • Medical expenses up to £5,000,000

  • Cancellation and curtailment - unlimited

  • Travel delays

  • Missed departure

  • Lost passport indemnity

  • Personal liability up to £5,000,000

Legal expenses

  • Underwritten by DAS Legal Expenses Insurance Company Limited - £50,000 limit.

Compare cover

Home insurance cover levels!

Household buildings and contents cover

Yes

Legal Liabilities

Up to £2m.

Yes

Alternative accommodation

Up to 25% of total sum insured.

Yes

Locks and keys

Cover if keys are stolen and locks need replacement.

Yes

Freezer food

The loss of food if your freezer breaks down.

Yes

Working from home (clerical)

Personally owned computer and clerical equipment.

Yes

Student possessions

Covered for up to £500 single item and £2,500 any one occurrence.

Yes

Water leaks

Water and oil leaks covered as standard.

No

Trace and access

PPP buildings and contents cover

Yes

Legal Liabilities

Up to £2m.

Yes

Alternative accommodation

The total cost of reasonable alternative accomodation during any insured works.

Yes

Locks and keys

Stolen or accidentally lost up to £1,000.

Yes

Freezer food

The loss of food if your freezer breaks down.

Yes

Working from home (clerical)

Personally owned computer and clerical equipment.

Yes

Student possessions

Covered for up to £1,000 single item and £7,500 any one occurrence.

Yes

Water leaks

Water and oil leaks covered as standard.

Yes

Trace and access (fix damage caused by a leak)

Coves both water and oil up to a maximum of £25,000 per occurrence.

Special Covers!

Household buildings and contents cover

Yes

Special event

Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.

No

Fine art and antiques

No

Precious metals

No

Small craft

No

Caravan cover

No

Horses and Ponies

No

Travel Cover

PPP buildings and contents cover

Yes

Special event

Gifts and or wedding gifts – during December and for one month before and one month after the wedding of a member of your household – up to 20% increase on your contents sum insured.

Yes

Fine art and antiques

New acquisitions - up to 25% of total sum insured or £150,000 (whichever is the lesser) up to 45 days of purchase date.

Yes

Precious metals

New acquisitions - up to 25% of total sum insured or £75,000 (whichever is the lesser) up to 45 days from purchase date.

Yes

Small craft

Up to a value of £2500.

Yes

Caravan cover

Fixtures and fittings, awnings, furniture, furnishings and utensils, recovery and re-delivery and loss of use provision.

Yes

Horses and Ponies

Animal(s) and equipment cover

Yes

Travel Cover

For members of the Insured household under 70 years of age at the time of travelling