SarahBeenySpringIssue2017 - 93
Did you know?
Many insurers don't
include cover for valuables
outside of the home or
accidental damage to
jewellery as standard
- be sure to check.
Are all your valuables
Insuring high-value items, such as rings
or artwork, may require you to produce
a valuation or have a rated safe. Some
insurers will impose endorsements on
your policy, which require the items to
be locked in a safe with a certain cash or
security rating when not being worn.
If you aren't aware of the requirements,
in the event of a claim you may find you
are not adequately covered.
What is the construction
of your property?
Most home owners believe that their
property has a standard construction,
and yet most insurers will class anything
that is not built of brick, stone or
concrete with a slate or tile roof as
non-standard. Properties with a timber
frame, flat roof or thatched roof are
generally considered non-standard.
Is your property old or
a listed building?
Listed buildings and older properties may
require specialist insurance that covers
them in the event of a fire or other perils,
so they can be restored appropriately
using sympathetic materials.
Does your property have
any historical movement?
Subsidence, landslide and heave (upward
movement of the ground) can cause
real problems when shopping in the
standard insurance market, with many
insurers wanting to see surveyor's reports.
Are you tired of having little
or no choice when renewing
Many people who don't have completely
standard homes find themselves stuck
with the same insurer year after year,
because no one else in the general
market place will offer them cover.
Help is at hand
Family-run insurance firm Highworth
Insurance is based in Poole, Dorset.
Its account managers are all highly
trained specialists, who look at each
situation on a case-by-case basis, with
the objective of finding you the best
solution at a competitive price.
It specialises in finding insurers for:
Jewellery, artwork and collections
Buildings that have non-standard
construction and/or materials
Buildings where there has been
subsidence, landslide or heave
Working from home.
FOR MORE INFORMATION
Call 01202 937041