High net worth insurance

High net worth insurance We have a wealth of experience in dealing with the particular insurance needs of the high net worth individual, and James Ryan Thornhill appreciate that clients in this area expect more from their Broker.

You need to be confident that we understand your unique needs and requirements. With this in mind we have access to the leading High Net Worth & Prestige insurers in the UK, giving you the choice of provider most suited to your needs - and not the other way round!

We give our clients the choice to place all their insurance requirements under one roof - a lifestyle insurance policy. This can cover standard and high performance vehicles, classic cars, motorcycles, buildings and contents for main and secondary residences, jewellery, valuables, art & antiques, liabilities at law, legal risks, annual travel and watercraft under one policy with a single convenient renewal date.

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More information on High net worth insurance >

More information on High net worth insurance

With our range of High Value policies you can enjoy the very best level of cover and benefits, with a specialist appraisal from an expert surveyor and "individual-led" claims handling. Some of the features you can expect include:

Warranty-Free Cover
Warranty-free cover ensures that you can enjoy the security of your cover without fear of onerous warranty restrictions.
World-Wide Cover
World-wide cover is provided for your valuable articles and all of your personal possessions and contents.
Replacement Cost Cash Option
Full "new for old" cash settlement on personal property. It's up to you to determine if you wish to replace the item.
Agreed Value
Specified valuables are insured on an agreed value basis so you know exactly what you will get in the event of a covered loss. For partial losses, cover also includes loss in market value.
Extended Replacement Cost Option
The insurer will pay the cost to rebuild your home, even if the reconstruction cost exceeds the sum insured.
No Conditions of Average
No under-insurance penalties.
World-Wide legal liability cover
For all family members. Cover includes libel, slander and defamation of character.
Annual Travel Cover
Optional Worldwide travel insurance can be provided with some of the widest cover and highest limits available. All family members can be covered including domestic staff.
Payment methods
Monthly Direct Debits.
Restoration costs and any resulting depreciation
for art, antiques and collectibles.
24 hour helplines
Alternative accommodation
Can include alternative accommodation for family, pets and horses.
Garden re-landscaping costs
Money and credit card cover, including identity theft.
Tracing water or oil leaks
Depending on the insurer cover is either for or towards, the cost of tracing a water or oil leak from any fixed domestic water or heating installation and the resultant repairs to floors, walls and ceilings
Children at University
Can include automatic cover for clothing, personal items, TV, computer etc. whilst at university or college
Second homes
Can include cover for second homes, even outside the UK
Household removals cover
Guests' effects
Christmas Gifts
An increase on your contents value during the Christmas Season
New purchases
Defective title
For contents, valuables and Fine Art
Legal expenses cover
For an incident involving you and your family. The cover amount varies but is usually limited to between £50,000 and £75,000
Jury Service compensation
Homeworkers cover

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