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.
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.