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"No amount of money can replace some things in life. For everything else, Primo."

At Primo, we like all our clients to feel this way

High-Net-Worth Insurance: Secure comprehensive cover for your treasured possessions

We offer a wide range of insurance options designed for individuals with a total contents value exceeding £150,000. And much more... Arranged by Primo, a trusted provider of high-net-worth insurance solutions. Contact us today for a personalised quote and expert advice.

Contents Over £150,000?

At Primo, we understand that high-net-worth individuals require a level of insurance protection that goes beyond standard policies. Our expertise lies in crafting bespoke insurance solutions that adequately safeguard your substantial assets and lifestyle.
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The Importance of High-Net-Worth Insurance

High-net-worth insurance is not just about protecting valuables; it’s about preserving your lifestyle, legacy, and peace of mind. As a discerning client with assets exceeding £150,000, you face unique risks that demand specialised cover. From fine art and luxury vehicles to high-value homes and jewellery collections, your assets require tailored protection against various perils such as theft, damage, and liability claims.

Why Choose a Professional Broker

  • Specialist Knowledge:

    Our brokers are experts in high-net-worth insurance. They possess in-depth knowledge of market trends, policy nuances, and risk management strategies tailored to affluent clients like you.
  • Customised Solutions:

    We don’t believe in one-size-fits-all solutions. Our brokers work closely with you to understand your unique needs, assess your risks comprehensively, and tailor insurance packages that provide optimal cover.
  • Access to Exclusive Markets:

    Through our established relationships with top insurers specialising in high-net-worth clients, we can access exclusive markets and negotiate bespoke policy terms that may not be available through standard insurance channels.
  • Risk Mitigation:

    Beyond insurance cover, our brokers provide ongoing risk management advice. This includes regular reviews of your assets and liabilities, recommendations for risk reduction measures, and ensuring your cover remains aligned with your evolving needs.

Our Commitment to You

At Primo, we are committed to delivering a superior level of service that aligns with your expectations and lifestyle. We understand that your time is valuable, which is why we offer flexible meeting arrangements, personalised service, and prompt assistance whenever you need us.

Summary

High-net-worth insurance is not just about protection; it’s about preserving your legacy and lifestyle. By entrusting your insurance needs to a professional broker at Primo, you gain access to expertise, tailored solutions, and peace of mind knowing that your assets are adequately protected against unforeseen events.
We invite you to experience the difference of working with a broker who values your priorities and understands the intricacies of high-net-worth insurance. Contact Primo today for a consultation tailored to your unique needs.

Get in Touch With Us

Contact our professional brokers for personalised insurance advice and assistance in finding the correct cover. We're here to navigate insurance challenges and provide comprehensive protection.
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Personal Service
Our specialist advisers will always meet with you where you're most comfortable.
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Attention to Detail
We pride ourselves on our attention to detail, often this makes all the difference.
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Thoroughly Protected

Helping you ensure the protection of your most treasured possessions correctly.

Cover Options Examples

Some cover may differ from insurer to insurer.

  • All risks worldwide cover
  • Alternative accommodation
  • Trace and access
  • Compulsory evacuation
  • Emergency access
  • Replacement locks/keys
  • Disability through injury
  • Property owner's liability
  • Rent payable alt/accomm
  • Occupier's & personal liability
  • Employer's liability
  • New acquisitions/additions
  • Loss of metered water/oil
  • Deeds and documents
  • Bicycles
  • Contents in halls of residence/residential care
  • Business property
  • Fatal injury
  • Fine art, antiques and collectibles
  • Jewellry and watches
  • Money
  • Guests personal effects
  • Reward
  • Defective title cover
  • Family legal expenses
  • Home emergency cover
  • Identity fraud service
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Your Broker
Always speak to a real person. You will have an assigned broker.
Chalk board with the words, we make it easy, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your home gives you great peace of mind.

High Net Worth Insurance FAQ

  • What is high net worth insurance in the UK?

    High net worth insurance in the UK refers to specialised insurance cover designed for individuals with significant assets and high net worth. It provides tailored protection beyond standard insurance policies to meet the unique needs of affluent individuals and their valuable possessions.
  • What assets are typically covered under high net worth insurance?

    High net worth insurance in the UK covers a wide range of assets, including luxury homes, fine art collections, high-value jewellery, antiques, luxury vehicles such as classic cars, yachts, valuable wine collections, and other high-ticket items.
  • How does high net worth insurance differ from standard insurance policies?

    High net worth insurance offers higher cover limits and more comprehensive protection compared to standard insurance policies. It often includes additional benefits such as worldwide cover, access to specialist advisors, tailored risk assessment, and bespoke cover options for unique assets.
  • What are the key benefits of high net worth insurance for UK residents?

    Key benefits of high net worth insurance in the UK include broader cover for high-value assets, higher cover limits to adequately protect wealth, access to specialist claims handling services, bespoke risk assessment to identify potential risks, and personalised customer service from dedicated insurance advisors.
  • How is the value of assets determined for high net worth insurance policies?

    The value of assets for high net worth insurance policies is determined through professional valuation methods such as appraisals by qualified experts, market valuations for assets like fine art or collectibles, and detailed assessments of property values by chartered surveyors.
  • What factors influence the cost of high net worth insurance in the UK?

    The cost of high net worth insurance depends on factors such as the total value of insured assets, the type of assets (e.g., fine art, jewellery), property location and features, security measures in place, claims history, desired cover limits, and any additional bespoke cover options required.
  • Can high net worth insurance include cover for liability risks?

    Yes, high net worth insurance policies in the UK often include comprehensive liability cover to protect against personal liability risks, such as legal expenses, personal injury claims, libel or slander claims, and liability arising from household staff or domestic workers.
  • What is "agreed value" cover in high net worth insurance policies?

    Agreed value cover in high net worth insurance means that the insurer and policyholder agree on the insured value of certain assets upfront. This helps avoid disputes during claims settlement, ensuring that valuable assets are insured for their true worth without depreciation.
  • Are high net worth insurance policies renewable annually?

    Yes, high net worth insurance policies are typically renewable on an annual basis. Renewals involve reviewing the insured assets, updating valuations if necessary, reassessing risks, and adjusting cover as needed to ensure continued adequate protection.
  • Can high net worth insurance cover multiple properties under one policy?

    Yes, high net worth insurance policies can be structured to cover multiple properties, including primary residences, secondary homes, holiday properties, and investment properties, under a single comprehensive policy for convenience and streamlined cover management.
  • What are "deductibles" in high net worth insurance policies?

    Deductibles, also known as excesses, are the amount(s) that the policyholder is responsible for paying towards a claim before the insurance cover kicks in. High net worth insurance policies may have higher deductibles, especially for high-value assets, which can help lower premium costs.
  • Is there coverage for art restoration and conservation in high net worth insurance?

    Yes, high net worth insurance policies in the UK often include coverage for art restoration and conservation costs. This ensures that valuable artworks damaged over time or due to unforeseen events can be professionally restored to their original condition.
  • How does high net worth insurance address cybersecurity risks for affluent individuals?

    High net worth insurance may offer cybersecurity cover to protect against digital threats such as cyberattacks, identity theft, online fraud, and data breaches. This can include cover for forensic investigations, legal expenses, and cyber extortion costs.
  • Are there specific requirements for home security in high net worth insurance policies?

    Yes, high net worth insurance policies may require enhanced home security measures such as monitored alarm systems, CCTV surveillance, secure access controls, and approved safes for storing valuable items. Compliance with these requirements can help reduce insurance premiums.
  • Can high net worth insurance policies cover valuable wine collections?

    Yes, high net worth insurance can include cover for valuable wine collections, offering protection against damage, theft, and loss. Insurers may require appraisals and proper storage conditions to ensure adequate cover for these unique assets.
  • What is "loss of use" cover in high net worth insurance for properties?

    Loss of use cover in high net worth insurance compensates policyholders for additional living expenses incurred if their primary residence becomes uninhabitable due to a covered event such as fire, flood, or major repairs, necessitating temporary relocation.
  • Do high net worth insurance policies offer cover for travel-related risks?

    Yes, high net worth insurance can include comprehensive travel insurance cover for affluent individuals and their families, encompassing benefits such as trip cancellation/interruption, emergency medical expenses, baggage loss/delay, and personal liability protection during travel.
  • How are claims handled under high net worth insurance policies in the UK?

    Claims under high net worth insurance policies are typically handled by specialist claims teams or dedicated advisors with expertise in managing complex claims involving high-value assets. Insurers may offer concierge-style claims assistance to ensure swift and fair settlements.
  • Can high net worth insurance include cover for private collections displayed in museums or exhibitions?

    Yes, high net worth insurance policies can extend cover to private collections displayed in museums, exhibitions, or loaned to galleries. Insurers may require detailed information about security measures and exhibition schedules to tailor cover appropriately.
  • What role do insurance brokers play in securing high net worth insurance in the UK?

    Insurance brokers specialising in high net worth insurance play a crucial role in helping affluent individuals assess their insurance needs, identify suitable cover options, negotiate terms with insurers, facilitate claims processes, and provide ongoing risk management advice.
broker sat at their desk writing while talking on the phone.
Your Broker
Always speak to a real person. You will have an assigned broker.
Chalk board with the words, we make it easy, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your home gives you great peace of mind.

Other insurance you may be interested in.

We can advise on a wide range of insurance products and help you find what you need.
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Home Insurance

Looking for a stand-alone home insurance policy then look no further, our brokers can check the market to find you the right policy to cover your home and contents.

Multi-Vehicle Insurance

If you have more vehicles than drivers then this is the best policy for you. Covers cars, bikes, small commercial vehicles, campers and basically anything road worthy.
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