Not every house is the same….
Not every insurance policy is the same….
Please call Colin Bickers for an appointment on 01903 236788 or:
If you have more to insure, you should demand more from your insurer
If you have more to insure than most, it is even more important to ensure that you have a policy set up professionally, giving you the peace of mind that comes from knowing that you will be looked after properly by your insurer, should you need to call on them.
At Graham Edwards Ltd, we understand that you may have a house and contents which cannot easily be described by ticking a few boxes on a computer screen.
We appreciate that if you are unfortunate enough to have to make an insurance claim, you would rather liaise with a local professional with whom you are familiar, than speak to a voice from another continent on a bad quality telephone connection.
And we recognise, that as your most valuable asset, you want to ensure that your property and contents are protected properly by an insurance policy you know has been set up professionally and on competitive terms designed around your requirements.
Features of our insurance products for the higher value household
Insurance for your Jewellery
Many standard products will impose draconian restrictions on the use of your more valuable jewellery, forcing you to keep it in the safe at all times, making it impractical to take your favourite items away from the home for the odd weekend.
You deserve to be treated like an adult by your insurer. We can build your cover around your lifestyle, so that your insurance policy fits your way of life, and not the other way around.
Insurance for works of art
Some of our most treasured possessions are works of art which we may have collected over the years. But what many people never consider, is that the insurance risk presented by a hung painting are actually very low indeed. You don’t move them, sit on them, or take them out of the house, in fact they are one of the lowest risk items in the home. That’s why a presentation to a specialist insurer by one of our experts can make a real difference. By providing a breakdown of the various categories of items in the home, we can negotiate premiums based on the actual risk presented by your property, rather than an insurer’ assumption about what you own. Which means lower insurance rates for your works of art.
Worldwide contents cover
We can arrange insurance policies which automatically give worldwide cover on contents, so you don’t have to worry about specifying certain items when travelling.
No restrictive security wordings
An insurer should appreciate that you have no wish to fall victim to a burglar, and you will make every effort to ensure that you use the available security in your home. However, you do not wish to find yourself uninsured should you have forgotten to lock a window, which has been used for unauthorised access to your home.
We can arrange cover without tying you to onerous security wordings and alarm endorsements.
Identity Theft Cover
Cover for expenses in respect of identity theft has now been introduced on a number of premier products.
No Average Clause
Most insurance policies have a condition of average, which means that in the event of a claim, if you are found to be uninsured in any section, your claim can be reduced by the same proportion as the inadequacy of the amount insured.
Provided you have intended to insure at the correct level, a number of products are now available which have no condition of average, meaning that honest mistakes do not lead to your claim being over-harshly penalised.
No deductions for wear and tear
Even in respect of clothing!
Interest free direct debit
Interest free monthly direct debit is now a feature of a number of higher value contracts.
