Private Client Insurance
Enough of the impersonal and automated…
Using a panel of high net worth insurers with a proven track record in the mid to high net worth market we are able to offer cover worldwide for one home or multiple homes offering you suitable protection for complete peace of mind.
Specialist Insurance for Home
When it comes to the family home, holiday home or expensive possessions, you need to be sure that your building and its contents are insured correctly.
Our policies are designed for those whose time is valuable and whose needs are above standard home and contents policies and who appreciate the additional value such policies can offer.
As part of our evaluation of your requirements we will discuss your needs and priorities and recommend a suitable policy whose contracts are designed for the more affluent individual. Policies without unexpected claim deductions or restrictive warranties we are also able to provide additional family protection such as concierge services, personal security advice and identity theft cover.
Specialist Vehicle Insurance
Our panel of Insurers offer cover on a wide range of personal vehicles from collections to classics, to modern performance and luxury high value vehicles.
Our clients continue to trust us in arranging cover for prestige models including Aston Martin, Lamborghini, Bugatti, Porsche and Ferrari as well as more modest requirements.
We also arrange cover for Family Fleets which provide the flexibility and peace of mind that comes with a quality product. Attractive additional covers which may not usually be found within a standard car insurance policy can also be included. Cover is available for a mixture of all types of vehicles including cars, collectors’ cars, horseboxes, imports, motorcycles, light goods vehicles and more. To complement your High Value Home Insurance policy, the family fleet offers you the opportunity and flexibility to insure your family vehicles under one policy with one renewal date. Benefits can include:
Motor Legal Protection, Breakdown Cover, Courtesy car provision, Cover included for children if away at University, Drivers of all ages (17 – 75) can be covered, Salvage can be retained Low Windscreen excess levels, Track day cover and a wide vehicle acceptance criteria
Classic cars and collections offer bespoke cover for a range of vehicles and benefits include: Agreed valuation and certificate, Automatic cover while at non-competitive club-organised track days, Limited mileage cover, Discounts of up to 15% for classic car club members, Cover for modifications, Up to 90 days cover for use in the EU, Laid up cover, Multi car insurance and the option to retain salvage should the worst happen.
In the current climate of impersonal and automated insurance we prefer to offer a one to one personal service.
To review your personal covers we take the following steps:
- We will review your existing arrangements and listen carefully to your requirements and priorities
- We will select and approach those insurers who we feel are most suited to satisfying your personal requirements
- We will undertake a full market analysis and negotiate best possible terms on your behalf
- As we are an independent broker an impartial and detailed recommendation will be put forward advising why we feel the recommendation is most suitable
- We will provide an ongoing service and a one to one account handler from Delta Corporate will be allocated to your account
Private Client Insurance Case Studies
Covering UK and holiday homes abroad…
We were appointed by recommendation on a company director's personal policies from a national broker taking over administration of his policies mid-term. The client had been unfortunate enough to sustain a sizeable theft / hold-up claim (£60k+) on his holiday home abroad and was moving from his main residence to another property in the UK which was being refurbished.
The previous broker had not managed the situation well and Insurers were unwilling to cover the building under refurbishment and threatening a substantial rate increase.
We arranged a separate short term policy with one Insurer for the buildings until the move was complete and then switched covers to another Insurer to avoid any increase in costs.
Saving insurance expenditure on high net worth property…
We suggested a review of a director's home buildings and contents insurance which was held with his bank. After undertaking a thorough review of values against the existing policy our findings showed that there was gross underinsurance and certain valuable possessions of the client were not catered for with his present policy.
We undertook a comprehensive review with twelve alternative Insurers, his contents sum insured was increased by 500%, we delivered our report and were appointed as the client's broker to safeguard his personal arrangements.
We continue to deal with the client and in addition to his property insurance also cover his valuable car collection on a worldwide basis.
Taking care to ensure the correct level of cover…
Following review of an individual's High Value insurance policy, Delta Corporate managed to secure a saving of £7k against existing arrangements.
Following a joint Survey with the Insurers, we were also able to establish that the Client was actually over-insured against the previous arrangements and therefore a further £2.5k saving was made to rationalise the new insurance policy and values.