The trouble with contents insurance…

It is too easy to underestimate the amount of replacement cover you require for insurance
purposes for your general contents, fine arts and antique furniture, collections and jewellery.

For affluent clients, it is not unusual to find that their contents are underinsured by an average of almost 50%. We are often able to arrange cover without premiums increasing dramatically due to advice and cover we offer.

With the majority of affluent clients insuring their home and contents though their banks or via direct Insurers, as no advice is given, you may find that the level of underinsurance can expose you to warranties within their policies that may lead to claims being invalidated or policies being voided.

The key issue is the lack of time to properly assess your contents needs. You may be paying over the odds for a policy which is considered standard home Insurance and as a result being inadequately covered.

Many standard household policies will hold restrictive conditions for the setting of their security and requirements on safes.

We help to assess your requirements and it is normal for the policies we provide to include cover for all contents worldwide without restrictive warranties. The Insurers we use are known for their prescriptive claims service.

For more details about our Warranty Free Cover call Keith and the team on 01425 486684.

www.aoig.co.uk

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