Whilst we aren’t actively providing travel cover, we understand the difficulties in finding cover if you suffer from pre-existing medical conditions. This could be in the form of a higher premium or even a full exclusion for your condition.
All is not lost however, and we are pleased to be able to point you in the direction of the Money and Pensions Service.
Alternatively, they can be reached by phone by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).
If the internet’s myriad of car insurance providers is not for you and you prefer the personal approach, or your requirements are slightly different due to convictions, accident history, drivers or vehicle type, we may be able to assist.
Speak to our Private Clients team for assistance.
Insure Classic, Vintage & Veteran Cars
We have access to a number of specialist insurers and providers for veteran, vintage and classic vehicles:
Veteran Cars (pre 1910)
Vintage Cars (1910 to 1950)
Classic Cars (1950 to 1970)
Modern Classic Cars (1970 to 1990)
Future Classic Cars (post 1990)
Generally insured on a named driver, agreed value and limited mileage basis, premiums can be very competitive.
Speak to our Private Client team for assistance.
Houses & Homes
We have access to a wide range of standard and mid and high net worth contracts to suit all requirements.
Individual requirements are discussed in detail and our team will provide bespoke recommendations.
We can also accommodate the more unusual of risks such as listed buildings, subsidence affected properties, high value individuals.
Our premiums are often much more competitive than those offered by garages.
High Net Worth Individuals
Specialist household insurance policies have been created to provide cover for people with high value homes and contents.
Known as mid or high-net-worth policies, mid-net-worth policies tend to apply where general contents is estimated to be between £50,000 and £125,000, whereas as high-net-worth would have contents sums insured above £125,000.
Policies provide extremely wide cover, generally warranty-free, and a service which has been designed to suit the lifestyle, providing a level of cover which cannot be found on a standard insurance policy.
Policies can accommodate high levels of jewellery and personal effects, usually on a world-wide full all risks basis.
The level of service is exemplified by experienced claims teams who are dedicated to resolving your claims quickly, professionally and without fuss. Crucially they are able to offer flexibility as to how you want your claim to be settled, including the option to have a personal jeweller recreate a piece of lost jewellery
Rowlands & Hames has access to a range of mid and high net worth insurers – ask for a quotation from our Private Clients team.
Underinsurance can be a large problem for High Net Worth Household individuals due to many factors.
Aviva Insurance have produced the following guide into the perils of underinsurance and how you can avoid it: