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The policy we offer for Home & Travel is tailored to provide outstanding cover for people with varied and rich lives. It's based on the principle of including things that other insurers exclude. Because our aim is to streamline your policies, we don't offer travel on it's own, but as part of your home policy.

Buildings

For one home, multiple homes around the world, a listed property or an estate we arrange cover not readily available elsewhere.

For instance we will ensure the inclusion of second homes (with no unoccupancy clauses) and property owner's liability cover starting at £2 million. And we also arrange for our customers a full appraisal of their homes to ensure that the figure agreed for rebuilding is accurate. This is undertaken at no expense to you.

Contents

Because we know how distressing losing your possessions can be, the cover we arrange includes generous limits and focuses on what is included, not excluded. For instance, students' posessions are covered - as are belongings of relatives in residential homes. And we don't exclude things like quad bikes or sports equipment either.

Fine art, jewellery and valuables

Unlike many policies, our insurers will automatically include your valuables worldwide, even when you're travelling (and with no restrictive conditions about security). Also, if you lose or damage anything that is part of a pair or set, you'll be covered for the agreed value of the whole set. As you'd expect, the limits for non-specified items are extremely generous.

When a fire caused by a faulty washing machine extensively damaged a family home, action was taken very quickly. The entire ground floor had been set ablaze and the top two floors were smoke damaged. Moreover, the clean-up operation had damaged the beautiful garden.

Ten thousand pounds was immediately transferred so that the family could buy clothes and the wherewithal to function. The family's hotel accommodation was also met in full, and thereafter the rental fees for a suitable temporary house.

The restoration of their home took seven months and was a painstaking business. Help was provided to find the requisite craftsmen but the family were able to appoint their own architect, builder and landscape gardener. All damaged contents were of course replaced and the full agreed value was paid for the art and valuables they'd unfortunately also lost in the fire. The family were able to decide for themselves how they wanted to replace them.

In the end, the total cost of that faulty washing machine turned out to be a shade over eight hundred thousand pounds.

Legal Expenses

Your policy will cover you and your family for up to one hundred thousand pounds for any incident that incurs legal expenses. What we mean by 'incident' is things like employment disputes, contract disputes, bodily injury cases, tax protection services, jury service or legal defence.

Family Protection

Family Protection is the part of your policy on which we particularly hope you never need to claim. But if you do, then rest assured that our insurers are one of a few to provide a policy with comprehensive cover for both the physical and emotional trauma of crimes such as car-jacking, burglary, road rage, air rage or stalking.

A family holiday abroad ended abruptly when, unfortunately, they were victims of a rare car jacking. The husband and wife were injured and needed hospital treatment. In the event, whilst he was released within a few hours, his wife required more serious attention and was taken to the local private hospital to recuperate.

As well as having all medical expenses met, funds were advanced so that the family could rent somewhere to stay and remain close by while she got better. Their car was covered under the motor section of their policy and they were also covered for the loss of their possessions.

Having returned home, however, the husband felt unable to go back to work immediately and required counselling. Happily he was covered for both the cost of his therapy and loss of salary until he was fully recovered.

Liability Cover

Unlike most companies, our insurers include this cover, worldwide, as standard. This part of your policy is for incidents in which you or your families require legal representation against libel, slander & defamation suits. It also covers funds to assist should you be a victim of identity fraud or even of kidnapping.

Travel

We believe in offering generous travel cover for the whole year to give you peace of mind wherever you go. All members of your family will automatically be included (unless they're over seventy five in which case we can arrange a separate policy) and resident domestic staff. Should you require medical attention, your policy will cover you for up to ten million pounds worth of expenses. And that includes winter sports.

One customer had treated himself and his wife to a holiday to celebrate his retirement.

Sadly, six days before their departure, his wife suffered a heart attack. This was her second coronary in two years and she was kept in hospital for three weeks, before happily being released to recuperate. Of course they were in no position to join the ship and so cancelled.

Since the unfortunate incident had happened so close to their travel date, they had paid almost the entire amount for their trip.

Because our insurers do not exclude pre-existing medical conditions (and the customer was not travelling against the advice of her doctor), they were recompensed in full. And at £15,000 per person, this is one of the highest cancellation limits available within the insurance industry for a travel policy.