Personal Insurance

Let us help you uncover what you’ve got and make sure it’s fully protected.

Personal Insurance, a comprehensive range of cover for you, your family and your personal possessions.

Ellis David is a specialist broker with many years experience in personal insurance policies. Because of our in-depth knowledge and access to a huge range of insurers, we can often find cover that others can’t.

In addition, because your needs have been reviewed by a professional advisor, you won’t be paying for cover you don’t actually need but that might have been included in an ‘off the shelf’ policy.

Unlike many Insurance Brokers, we have a thriving personal insurance department. In recent years, personal lines products have become available instantly online and for some customers, that may be a convenient way to buy their cover, but in many cases, having a qualified broker on hand to advise and get a range of personal insurance policy quotes is advantageous for a variety of reasons.

High Net Worth Insurance

If you have a property worth in excess of £400,000 and / or content and possessions worth in excess of around £50,000, its likely that a specialist ‘High Net Worth Insurance’ policy will give you several advantages in terms of the scope of cover as well as claims service.

Because High Net Worth Insurance is tailored around the individual’s precise requirements, there’s never any unnecessary cover included, so you’re not paying for elements of cover you simply don’t need.

Typically, you can include travel cover with generous cancellation limits.

Ability to include cover for high value individual items such as prestige cars, jewellery or art work.

Includes cover for items away from the home as well as in it.

Personal Insurance tailored for more exacting requirements

In addition to High Net Worth Insurance, Ellis David can also cater for the client with more unusual requirements.

We have developed close working relationships with in excess of 100 insurer partners, specifically so that we have access to insurance products that deal with all manner of requirements.

Non standard home insurance
It may be that your home is Listed, or that something about it means a standard home insurance policy is unable to cover all aspects of the risk, for example, you may have a thatched roof or some other unusual construction detail. It could just be that the property is situated in a floodplain postcode area.

NON STANDARD HOME

Jewellery and Watch Insurance
Standard home insurance policies typically have single item limits that mean valuable jewellery or timepieces can’t be included. Similarly, they may not provide cover when the item is away from home. So, if you lost your wedding ring on the beach on holiday, it may not be covered. Specialist jewellery insurance can provide you with the cover you need. Find out more here.

JEWELLERY & WATCH

Personal cover that’s tailored for you.

Fine Art and Antiques Insurance

High Net Worth Home Insurance

Holiday Home Insurance

Household Works and Renovation Insurance

Jewellery and Watch Insurance

Non Standard Home Insurance

Property Owners Insurance

Private Medical Insurance

Specialist Car Insurance

Travel Insurance

Talk to us about your Personal Insurance requirements.

CONTACT US

Have you ever been convicted of any offences involving fraud, theft, false accounting or other dishonesty or an offence (whether or not in the United Kingdom) relating to companies, building societies industrial and provident societies, credit unions, friendly societies, insurance banking or other financial services, insolvency consumer credit or consumer protections, money laundering, market manipulations or insider dealing? (required)	YesNo
Are you the subject of any current criminal proceedings? (required)	YesNo
Have you any convictions for any offences other than those listed in question 1 a) above which are not spent, whether or not in the United Kingdom (excluding traffic offences unless these resulted in a ban from driving or involved driving without insurance)? (required)	YesNo
Are you or have you ever been the subject of any civil proceedings, arbitration or litigation, including proceedings that resulted in a County Court Judgment (CCJ) or other judgement debts, in the United Kingdom or elsewhere? (required)	YesNo
Are you aware of any intention to begin such proceedings against you in the future? (required)	YesNo
Do you have any judgement debts (including CCJs) made under a court order still outstanding, whether in full or in part? (required)	YesNo
Have you ever failed to satisfy any such judgement debts within one year of making of the order (required)	YesNo
Are you or have you ever been, the subject of any bankruptcy proceedings, or proceedings for the sequestration of your estate? (required)	YesNo
Have you ever entered into a deed of arrangement or an individual voluntary arrangement (or in Scotland a trust deed) or other agreement in favour of your creditors, or are you doing so? (required)	YesNo
Have you ever been found guilty of conducting any unauthorised regulated activities or been investigated for possible conduct of unauthorised regulated activities? (required)	YesNo
Are you, or have you ever been, the subject of an investigation into allegations of misconduct or malpractice in connection with any business activity? (required)	YesNo
Have you ever, either in the United Kingdom, or elsewhere been - (required)
- refused entry to, or been dismissed or requested to resign from, any profession, vocation, office or employment, or from any fiduciary office or position of trust, whether or not remunerated? (required)	YesNo
- refused, restricted in, or had suspended, the right to carry on any trade, business or profession for which specific licence, authorisation, registration, membership or other permission is required? (required)	YesNo
- disqualified by a court from acting as a director of a company or from acting in a management capacity of conducting the affairs of any company, partnership or unincorporated association? (required)	YesNo
- the subject of a disqualification direction under section 59 of the Financial Services Act 1986 of a prohibition order, under section 56 of the Financial Services and Markets Act 2000, or received a warning notice to make such a direction or order? (required)	YesNo
Have you ever been a controller, director, senior manager, partner or company secretary of a company, partnership, or unincorporated association? If you answered "no" to question 8 you may proceed to section 12. Please tick (required)	YesNo

In respect of activities regulated by the FCA have you, or any company, partnership or unincorporated association of which you are or have been a controller, director, senior manager, partner or company secretary, during your association with that entity and for a period of three years after you ceased to be associated with it, ever - (required)
- been refused, had revoked, restricted or terminated any licence, authorisation, registration, notification, membership or other permission granted by any such body? (required)	YesNo
- been criticised, censured, disciplined, suspended, expelled, fined, or been the subject of any other disciplinary or intervention action by any such body? (required)	YesNo
- resigned whilst under investigation by, or been required to resign from, any such body? (required)	YesNo
- been the subject of any civil action which has resulted in a finding against you or it by a court? (required)	YesNo
Has any company, partnership or unincorporated association for which you have been a controller, director, senior manager, partner or company secretary, in the United Kingdom or elsewhere, at any time during your involvement or within one year of such an involvement – (required)
- been put into liquidation, wound up, ceased trading, had a receiver or administrator appointed or entered into any voluntary arrangement with its creditors? (required)	YesNo
- been declared by a court liable for any fraud, misfeasance, wrongful trading or other misconduct? (required)	YesNo
- been investigated or been involved in an investigation by an inspector appointed under companies or any other legislation, or required to produce documents to the Secretary of State, or any other authority, under any such legislation? (required)	YesNo
- been convicted of any criminal offence, censured, disciplined or publicly criticised, by any inquiry, by the Takeover Panel of any other governmental or statutory authority or any other regulatory body (other than as already indicated under 10 b))? (required)	YesNo
Are you currently a director of any company other than one which is a part of this company? (If “yes” please give details on the supplementary sheet). (required)	YesNo