Putting a price on the sentimental value of your most treasured possessions may be impossible, but a High Value contents insurance policy will, at the very least, afford you a certain level of security and peace of mind. Some personal items though, such as jewellery or antique furniture may have a value that exceeds the limits set within a standard home insurance policy. This is when the services of an insurance broker may prove to be invaluable. Westhill Insurance Services specialise in the high-end market and their professional and dedicated team will provide you with pragmatic and honest advice. Their independent status ensures they will make certain you receive the very best policy for your personal requirements, and this will be undertaken in a courteous and professional manner.
Variations in Policy Types:
Standard home insurance may be purchased from price comparison websites and online insurance companies, but consumers are often limited in terms of choice. The limits of cover available on these policies can mean high value items cannot be included as they exceed these limits. Some people unwisely choose to undervalue their items to bring them into line with limits.
Complications can arise if belongings are spread across a second home and shed and expensive garden equipment may not be covered by a general policy. Equally, other items such as boats and caravans generally need to be insured separately, even though they may be considered to be part of the homeowners belongings.
An insurance broker can tailor insurance policies to meet the individual needs of their clients, and grouping items together into a single agreement can often result in a lower overall premium.
Although most homeowners will be able to place accurate valuations on their personal property, an insurance broker will be able to raise relevant comparisons about the merits of individual policies and subsequently, will be able to provide the best possible levels of protection for your cherished possessions.
It is perhaps much easier to draw comparisons from within the world of motor insurance: if you own a Porsche it would be foolish to insure it to the same value as a Ford Focus. If you have high value contents, brokers will be able to suggest areas of coverage that you might need and which may not be available from standard policies: you really do need to find the best possible policy and not settle just for a one-size-fits-all solution. If an inferior policy is purchased, you may find you lose out when you go to make a claim. Think absolute when it comes to insuring your treasured possessions and accept nothing less.
Superior Quality Service:
Insurance brokers are regulated by the Financial Services Authority and are obliged to act in the best interests of their customers. When coverage is purchased through an insurance broker, consumers are less likely to end up with an insurance which fails to cover adequately their assets. However, you must remember that you have a duty to disclose all relevant information when you buy insurance and this applies equally whether you buy a policy directly or through a broker. If you do not provide all relevant details and facts you may find the policy invalidated should this be discovered, and this is most likely to happen when you need to make a claim!
Superior Levels of Advice and Guidance:
When a High Value Contents Insurance policy is obtained directly via an online website or a comparison service, potential clients rarely enjoy the benefits of professional advice. If you purchase your cover through an insurance broker, you will invariably obtain a greater depth of first-hand experience and this can be vital when choosing the right deal. You will be able to gain a fuller insight into the range of products available and opting for a cost-effective package that combines optimised coverage with an affordable premium.
An insurance broker is there to offer the best advice. Westhill Insurance Services will be pleased to talk to you, at length if required, to gain the information they require to furnish you with a bespoke insurance package which will provide all the cover you require and expect from a professional organisation. It is worth taking professional advice – why risk your most prized possessions for the cost of a phone call?
Contact Westhill Insurance Services, today.