Bespoke Household Insurance

Unlike certain other products, insurance policies do not always do “exactly what it says on the tin” - choosing the wrong insurer or contract can leave you seriously out of pocket in the event of a claim so we urge you to check your existing insurance policy closely. Bruce Stevenson is able to provide a special type of insurance designed for people with property and possessions of significant value. Typically, clients may have portfolios that will need to cater for Antiques, Fine Art, Jewellery, Private Aircraft, Yachts or further properties both in the UK and abroad and will be seeking an insurance solution that protects this lifestyle. With bespoke household insurance, a superior level of cover is provided. Benefits can include, world wide cover for all of your personal possessions, cover for ‘all risks’, warranty-free cover, new for old, cash settlements and no under-insurance penalty after a loss. Listed below are some of the unique benefits you can expect with a bespoke household insurance policy.

Warranty-Free Cover Warranty-free cover ensures that you can enjoy your personal possessions without fear of typical warranty restrictions.
World-Wide Cover World-wide cover is provided for your valuable articles and all of your personal possessions and contents.
Extended Replacement Cost Option The insurer will pay the cost to rebuild your home even if the reconstruction cost exceeds the sum insured.
No Conditions of Average No under-insurance penalties.
Replacement Cost Cash Option Full 'new for old' cash settlement on personal property. It's up to you to determine if you wish to replace the item.
World-Wide legal liability cover For all family members. Cover includes libel slander and defamation of character.
Agreed Value Specified valuables are insured on an agreed value basis so you know exactly what you will get in the event of a covered loss. For partial losses, cover also includes loss in market value.
Annual Travel Cover Optional Worldwide travel insurance can be provided with some of the widest cover and highest limits available. All family members can be covered including domestic staff.
Payment methods Monthly Direct Debits.
Restoration costs and any resulting depreciation
24 hour helplines
Specialist appraisal services or after claims survey assistance
Alternative accommodation Can include alternative accommodation for family, pets and horses.
Garden relandscaping costs
Money and credit card cover
Tracing water or oil leaks Depending on the insurer cover is either for or towards, the cost of tracing a water or oil leak from any fixed domestic water or heating installation and the resultant repairs to floors, walls and ceilings
Children at University Can include automatic cover for clothing, personal items, TV, computer etc. whilst at university or college
Second homes Can include cover for second homes, even outside the UK
Household removals cover
Guests effects
Christmas Gifts An increase on your contents value during the Christmas Season
New purchases
Defective title For contents, valuables and Fine Art
Legal expenses cover For an incident involving you and your family. The cover amount varies but is usually limited to between £50,000 and £75,000
Jury Service compensation
Homeworkers cover
Various optional covers also available

Exact benefits do vary with insurer though and this is why the specialist assistance provided by Bruce Stevenson can help you choose the cover that is right for you. Contact our Private Clients team to discuss your current insurance arrangements and to establish how appropriate they are – in most cases we can arrange to meet with you in your home to undertake a full analysis of your insurance needs and present the appropriate solution.

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Bruce Stevenson (Edinburgh)76 Coburg St Edinburgh EH6 6HJ

T: +44 0131 553 2293
F: +44 0131 554 8324

Bruce Stevenson (Glasgow)38-40 New City Road Glasgow G4 9JT

T: +44 0141 353 3539
F: +44 0141 353 3888Email.

Authorised and Regulated by the Financial Services Authority

Members of

Company Registration No.s

BS Ltd - SC073638
BSFS Ltd - SC095307
BSRM Ltd- SC207315
BSIS Ltd - SC261656

Place of Registration

Scotland

Registered Office

76 Coburg Street,
Edinburgh,
EH6 6HJ