Multi-Vehicle Insurance

Have you got lots of cars or a combination of different types of vehicle?

Fed up with having to use several different insurance providers to get the best deal?

Multi-vehicle insurance could be just what you are looking for.

Traditional insurers’ computer systems can only handle a single vehicle per policy. But as we have become more affluent and a second or third or fourth car more common, a few of our favourite insurers have designed their systems so that you can insure all your wheels at once under a single insurance policy.

So whether you own a number of cars or a mix of different vehicles you could simplify your paperwork and save money too. Savings start when you are insuring at least one more vehicle than there are drivers and are greatest when that difference is really pronounced.

(All other permutations are possible)

2 Vehicles 2 drivers = No advantage
3 Vehicles 3 drivers = No advantage
3+ Vehicles 2 drivers = Good
5+ Vehicles 3 drivers = Good
5+ Vehicles 2 drivers = Very good
7+ Vehicles 3 drivers = Very Good
7+ Vehicles 2 drivers = Great
10+ Vehicles 3 drivers = Great

The advantage for insurers is that they get a more complete picture of you as an insurance risk. If you are 2 drivers with 5 vehicles the multi-vehicle insurer will usually charge much less than usual for vehicles 3/4/5 because they know that usage will be minimal – try persuading a traditional insurer to accept that argument!

The benefits for multi-vehicle owners are hugely simplified insurance documents, a single renewal date, the ability to add vehicles mid year whilst retaining the original renewal date and a premium that is generally much lower than the competition.

Because we specialise in multi vehicle insurance we are also better able to offer unusual additional policy benefits such as comprehensive cover while driving a vehicle that you do not own, instead of the standard third party only cover.

We identified the need to specialise in multi vehicle insurance several years ago and now are now able to quote competitively for almost any combination of vehicle.

Some of our clients have several everyday cars. Others may have a collection where no two vehicles have a similar function.

We can usually accommodate all of the following:

Standard cars, modified cars, imported cars, high performance and high value cars, classic cars, motorcycles, classic motorcycles, motorhomes, vans, horseboxes and other unusual types.

Call us free on 05001 05001 for more information.

Home Contents, Buildings & Art Collections

Insuring your home is easy, but it is also easy to get it wrong and find that when you have a claim it is not settled in full. The most common reason for this is ‘underinsurance’.

In order to give you a quotation we need to know the value of your possessions on a replacement as new basis. If you guess or deliberately give your insurers a figure that is too low, you will be underinsured and any claim will be reduced by the application of ‘average’, even if your claim is for only a part of your assets.

The most straightforward way to establish the correct sum insured is to list everything you own in every room in the house and record what it would cost to replace as new. Antiques, works of art collections and other collectables should be valued professionally on a regular basis. The overall total will be your sum insured.

If you know or expect your sum insured to be in excess of £100,000, a professional valuation of the entire contents of your home is a very good idea. We recommend Gurr Johns who are the largest independent specialist valuation company in Europe with a team of fulltime expert valuers working worldwide at all financial levels.
You can contact Gurr Johns here.

Insuring the fabric of your home for the correct value is no less important and unless it is a ‘listed’ property or of non-standard construction calculating a sum insured for rebuilding purposes is fairly straightforward using calculations provided by the Building Cost Information Service.

If you have only recently bought your house and have a mortgage, the surveyor appointed by the lender will tell you what sum insured is necessary to insure the building properly. Do not be tempted to use the purchase price of the house as your rebuilding sum insured. In prosperous areas where land is expensive you will pay too much by over insuring. Where land is cheap or the state of repair is poor reinstatement could easily cost much more than you paid originally and you will be underinsured.

Call us free on 05001 05001 for more information.

Holiday Home

Because your holiday home is only occupied infrequently, most insurance companies refuse to insure this type of property in isolation. Whether it is security, defrosting frozen pipes, or a pile of ‘free’ newspapers on the front doorstep vulnerable to a discarded match, if you are not there it is difficult to limit the loss.

The insurer of your main home may sometimes agree to insure a second property but if not we have specialist schemes that will. This type of policy will generally only be available if your holiday home is located in the UK or popular European holiday destinations. However, if you qualify for certain High Net Worth policies availability may be worldwide.

Call us free on 05001 05001 for more information.

Home Contents, Buildings & Art Collections

Insuring your home is easy, but it is also easy to get it wrong and find that when you have a claim it is not settled in full. The most common reason for this is 'underinsurance'.

In order to give you a quotation we need to know the value of your possessions on a replacement as new basis. If you guess or deliberately give your insurers a figure that is too low, you will be underinsured and any claim will be reduced by the application of 'average', even if your claim is for only a part of your assets.

The most straightforward way to establish the correct sum insured is to list everything you own in every room in the house and record what it would cost to replace as new. Antiques, works of art collections and other collectables should be valued professionally on a regular basis. The overall total will be your sum insured.

If you know or expect your sum insured to be in excess of £100,000, a professional valuation of the entire contents of your home is a very good idea. We recommend Gurr Johns who are the largest independent specialist valuation company in Europe with a team of fulltime expert valuers working worldwide at all financial levels.
You can contact Gurr Johns here.

Insuring the fabric of your home for the correct value is no less important and unless it is a 'listed' property or of non-standard construction calculating a sum insured for rebuilding purposes is fairly straightforward using calculations provided by the Building Cost Information Service.

If you have only recently bought your house and have a mortgage, the surveyor appointed by the lender will tell you what sum insured is necessary to insure the building properly. Do not be tempted to use the purchase price of the house as your rebuilding sum insured. In prosperous areas where land is expensive you will pay too much by over insuring. Where land is cheap or the state of repair is poor reinstatement could easily cost much more than you paid originally and you will be underinsured.

Call us free on 05001 05001 for more information.

Yacht

From a dinghy on the Deben to a motoryacht in Florida, cover is available on a standalone basis or packaged within one of our High Net Worth policies.

Call us free on 05001 05001 for more information.

Combined Motor and Home Insurance
High Net Worth

Buying multi-vehicle insurance can make your life easier, but so can combined motor and home insurance.

The idea is that the more products you buy from a single source the more straightforward the arrangements and the less you should pay. Insurances are commonly placed with a single provider but by no means exclusively.

If you have vehicles with a total value of at least £100,000 PLUS a home with a contents sum insured of at least £100,000 (although more is better) you may qualify for a High Net Worth policy.

These policies provide exceptional cover at a competitive premium.
Benefits can include:

Agreed values (home, valuables and motor cars)
Private Fleet – unlimited number of cars
Home Appraisal service
No policy excess upon a total loss
Worldwide holiday home cover

Call us free on 05001 05001 for more information.

Insurers

The insurers and products we offer under the HNW heading include: Zurich Private Clients, Chubb, Bluesure, Oak Underwriting plc, Home & Legacy, ‘Tapestry’ by Norwich Union and ‘Select’ by Axa.

To qualify you must have a minimum contents sum insured of £75,000 in respect of your primary home, although this increases very substantially in respect of Zurich and Chubb.

Call us free on 05001 05001 for more information.