PRIVATE CLIENT INSURANCE

HOUSEHOLD | MOTOR | MARINE | TRAVEL

ABOUT TOWERGATE INSURANCE

That’s why we have over 80 locations across the UK from Sevenoaks to Glasgow; from Belfast to Bristol; from Warwick to Cardiff and so many more. Our proposition to you is underpinned by strong relationships with leading insurance partners, who in turn appreciate that we place you, our client, at the centre of everything we do.

More Insurance Expertise In More Places• Over £3 Billion of insurance premium is placed

with insurance companies by the Group• Over 500,000 household clients are insured

through the Group• We have over 100,000 landlords and property

owners as our clients• Over 90,000 of our clients like to place their

private car insurance with us

We have been servicing the insuranceneeds of our Private Clients for manyyears so are well equipped to developinsurance solutions that suit your uniquerequirements.

Using an Insurance Broker to handle your insuranceprovides you with the one to one attention yourequire when protecting your most valuable andprecious belongings.

We will take the stress out of finding the right coverfor you, leaving you free to carry on with yourlife without the worry of being under insured. If theworst should happen and you have to make a claim,you won’t be alone either. One call to your broker will ensure that you are looked after throughout the process.

Our offer to you:

• Insurance solutions• A personal service• Expertise• Advice• Support when you need us

We truly believe in providing the personal touch, with a local and national service.

Our Private Clients team will provide expertinformation and advice to help you make an informed decision when choosing the appropriate level of cover. They will review your personal circumstances and be on hand to deal with day-to-day requests either by phone, email or face to face, if you prefer.

Our expertise and knowledge of the Private Client Insurance market has already assisted clients with extensive country manors, large art collections, wine cellars and high value jewellery. We appreciate that you may need worldwide insurance cover for items and our bespoke policy allows us to incorporate this cover for you.

Where insurers wish to carry out a Risk Survey we will advise you as to the purpose of the survey. In the event the insurers request changes to the insurance cover or security arrangements we will guide you through this process and assist you with any queries or concerns you have about the requested changes.

Key features that your cover could include:*

• Possessions covered at home or when abroad• Home emergency assistance• Family legal protection• Rent and alternative accommodation• ID theft resolution – cover including prevention

and alert service• Outdoor items – including cover for trees,

shrubs and lawns• Business property• Legal expenses insurance• Employers Liability cover for domestic staff• Agreed value cover for fine art, jewellery etc• Loss of keys

*subject to policy terms & conditions, whilst meeting acceptable underwriting criteria

At Towergate Insurance, we provide you with the cover you really need to ensure life runs smoothly, even when the unfortunate happens.

THE BENEFITS OF BEING A PRIVATE CLIENT

PRIVATE CLIENT HOUSEHOLD INSURANCE

Generally household insurance policies have inner limits on the sums insured in regards to valuable items, antiques etc. If you have items that may be considered as high value then they may not be fully insured under a standard insurance policy.

The larger the building sum insured, the more complicated a claim can be in regards to reinstating a property following a fire or other incident. Where the property is listed there will be more people to consult in regards to protecting the original materials and character of the property thus complicating matters further.

Our policies can cover a wide range of properties from flats to period cottages; large city houses to country estates we can accommodate incidental farming and business activities within the home.

A home is most people’s principal asset so it makes sense to get professional advice when thinking about what insurance cover you need.

MORE BESPOKE PRODUCTS FOR PRIVATE CLIENTS

High Value Motor Insurance*Key features that your cover could include:

• Agreed value for vehicles within your portfolio• The vehicle repairer of your choice• Like for like courtesy vehicle in the event of an

insured incident• Comprehensive driving-other-vehicles for all

named drivers• Comprehensive cover for unnamed drivers over

the age of 30• Share a common renewal date with your

household insurance for a hassle free process Enhanced Travel Insurance*Key features that your cover could include:

• Holiday disruption cover• Greater underwriting flexibility for your personal

needs• Up to 90 days cover per excursion• Ski and winter sports cover• Golf equipment cover• A higher than average age limit of 79• Emergency physio and dental expenses

Marine/Pleasure Craft Insurance*Key features that your cover could include:

• £3 million liability limit• Optional waterskiing and towing of toys• Extensive cruising ranges• Automatic transit cover for craft up to 30ft• Underwritten by leading UK insurers• Up to 5 years No Claims Discount (25%)

This is just an overview of the insurance cover thatTowergate Insurance can offer you. We are happy todiscuss your requirements with you in detail.

*subject to underwriting criteria

Towergate Insurance can also arrange any of thefollowing Insurance types to complement your PrivateClient Household Insurance.

ACCESS TO THE MARKETS THAT COUNTWe deal with all the leading Private Client insurers including:

OAK UNDERWRITING

What Happens Next

Please contact us if you would like to discuss your individual insurance requirements further. We look forward to dealing with your Private Client Insurance requirements in the near future so that you can relax in the knowledge that you are covered.

Towergate Insurance and Towergate Insurance Brokers are trading names of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Authorised and regulated by the Financial Conduct Authority.