Everywhen has access to a number of A-rated insurance products. We understand the risks that High Net worth clients face and will offer products tailored to suit your clients’ requirements.
High Net Worth Household
Our Footprint & Appetite: high net worth & mid net worth home insurance where you client currently pays over £2,000 for their insurance. We offer cover for those who require a bespoke solution that can’t be found online. We love risks that involve high levels of contents, valuables and clients that are looking for peace of mind. We can also accommodate properties undergoing renovation and high value motor (lead vehicle valued over £75,000) as part of a portfolio.
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Options for both sum insured and unlimited buildings and contents cover
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All risks, warranty free, worldwide cover
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Home emergency cover
The standard cover
Our policies are anything but standard!
Cover varies according to your clients’ specific needs however here are some highlights:
Options for both sum insured and unlimited buildings and contents cover
All risks, warranty free, worldwide cover
Home emergency cover
Legal expenses Cover
Less onerous security requirements
3 years Alternative Accommodation cover in the event of a claim
New for Old cover
What can’t we cover:
Premiums under £2,000
Thatched properties
Properties that have previously flooded
Clients who have had more than 3 claims or losses in the last 5 years
Clients with previous bankruptcy / CCJ ‘s / IVA’s
Premiership footballers and Social Media Influencers
Additional products
Towergate Assist optional cover provides specialist support for property losses above £5,000 (excluding subsidence). The Towergate Chartered Loss Adjuster, where possible will look to visit by the end of the next working day – providing practical help at a time when your client is experiencing stress.
Our cover and service USPs
We have broad market access through our HNW Towergate Premier Home Product Suite panel.
Selected insurers on our panel can provide on-site and desktop appraisals of properties to calculate Building Sums Insured which are then guaranteed against underinsurance penalties in the event of a claim, making it easier to understand and to help protect your clients from innocent underinsurance.
We provide risk management guidance e.g. security, electricity (fire risk).
Worldwide personal possessions mirrors contents sum insured in the home.
Accidental Damage included for buildings and contents.
No Average clauses are available through the Towergate Premier Home Product Suite.
Claims – supporting your relationships – call and the insurer will allocate a dedicated contact to help your client. Our aim is to work with insurers to support a smooth and speedy resolution for small, single item losses.
