Richard Thacker Private Clients can benefit from the following special policy cover differences which are not readily available from ‘standard’ insurance policies:

Cover provided on a worldwide basis against Accidental Damage

No onerous security conditions in place dictating when and where you must use security devices ie. ‘warranty-free’

Cover for a second or holiday home, on exactly the same terms as your main home, with no awkward occupancy clauses.

Identity fraud cover is unique and provides expenses for a client to defend their name and reinstate credit status after fraudulent activity

Kidnap and ransom expenses covered up to £ 20,000

US & Canadian hire car cover – up to £ 1m cover for third party liability and physical damage for hired or borrowed vehicles

Legal expenses cover worldwide up to £ 75,000

Buildings

Rebuilding cost guarantee: in the event of the cost of insured damage to your home exceeding the sum insured then insurers will either pay up to 50% greater than the main home sum insured or in certain circumstances will pay the full amount irrespective of the sum insured

Damage to your gardens is provided up to 5% of the main home sum insured with a limit of £ 500 per plant

Pairs and sets clause included ie. in the event of damage to one element of a bathroom suite or fitted kitchen, then we will replace the entire suite/ kitchen where it cannot realistically be repaired

Contents

Full replacement cost claim settlements will be made without deduction for wear and tear or ‘Average’

Lock replacement cover is unlimited and extends to alarm systems and safes

Cover outside in the open is provided up to £ 5,000

‘Pairs and sets cover’ included eg. if one element of a suite of furnishings is damaged, then insurers will pay to replace the whole suite if the individual item is irreplaceable

Employer’s liability cover for domestic employees up to £ 10m

Valuables

Valuables – new acquisitions may be covered up to 25% of the sum insured ( maximum limit £ 500,000 ) for up to 45 days

Specified items may be covered on an ‘agreed value’ basis ie. insurers will pay the full amount ‘agreed’ at the outset with no deductions

We include cover for ‘pairs and sets’ eg. if one of a pair of earrings is lost or stolen, then insurers will pay to replace the entire pair

Cover for jewellery normally kept in the bank is insured whilst temporarily removed (up to a maximum of £50,000 for up to 30 days in any one year)

If following partial damage an item depreciates in value, your insurer will pay the amount of depreciation

For more information e-mail us or telephone.