Far from standard.

Premier (ROI)

All Risks High Net Worth Home

Main Features of Cover

Cover is provided on a worldwide "all risks" basis for buildings and contents, so unless the policy specifically excludes a peril, the client is covered.

The Premier policy is designed to provide the next tier of cover for those clients who exceed the footprint of our MNW Amethyst policy.

We also offer to survey your client’s property at no cost once they have incepted cover, ensuring that your client is insured correctly and at the same time providing valuable risk improvement recommendations.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.

 

Buildings

CoverLimit
Standard excess €500
Standard subsidence excess €1,000
Extended Replacement Cover Unlimited (following valuation/appraisal)
Trace and access Unlimited
Loss of Rent Unlimited
Alternative accommodation Unlimited
Fatal Injury Benefit €100,000
Security Upgrade Benefit following aggravated burglary €10,000
Home Upgrade following Escape of Water or Flood loss €5,000
Tree Damage Prevention Measures €5,000
Environmental Upgrade €5,000
Reward €15,000

Contents

CoverLimit
Standard excess €500
Extended Replacement Cover 125% of contents sum insured (following valuation/appraisal)
Alternative Accommodation & Loss of Rent  Unlimited
Trace and access Unlimited
New acquisitions Up to 25% of contents sum insured
Pedal cycles Up to contents sum insured
Fridge and freezer contents Up to contents sum insured
Replacement locks Unlimited (no excess)
Loss of personal electronic data Unlimited
Loss of personal documents Unlimited
Students and boarders possessions Up to contents sum insured
Care home cover Up to 10% of contents sum insured (£1,500 single article limit)
Memorial stones €5,000
Golfer's extension Includes third party damage, 'Hole in One' cover and hiring golf clubs overseas
Marquees Up to €50,000 (max 7 days)
Damage by your pets Up to €5,000
Stalking and harassment upgrades Up to €30,000 (limited to €10,000 for security)
Aggravated burglary and assault €100,000 for death, up to €10,000 for security upgrades and up to €30,000 for any other claim
Car jacking €100,000 for death, up to €10,000 for emergency accommodation and up to €30,000 for any other claim
Road rage, air rage, hijack €100,000 for death, up to €10,000 for emergency accommodation and up to €30,000 for any other claim
Kidnap €100,000 for death, up to €10,000 for security upgrades and up to €30,000 for any other claim
Fatal injury following catastrophe claim Up to €100,000 per person or €10,000 for each person under 16

Valuables

CoverLimit
Standard excess €500
Unspecified single item limit €25,000
New possessions Up to 25% of valuables sum insured
Defective title Up to €100,000
Market appreciation Up to €150,000

Fine Art

CoverLimit
Standard excess €500
Unspecified single item limit €50,000
Death of artist Up to €100,000
Defective title Up to €100,000
New possessions Up to 25% of fine art sum insured
Market appreciation Up to €150,000

Travel

CoverLimit
Cancellation, curtailment and "get you there" expenses €10,000
Medical and repatriation expenses €5,000,000
Accidental death €50,000
Delayed baggage €200
Travel documents €500
Hijack and kidnap €1,000 for each complete 24 hour period up to a maximum of €3,000
Winter sports - ski equipment €500

Automatic special extensions

CoverLimit
Home Emergency €500
Identity Theft and Legal Expenses €100,000
Cyber €100,000 per policy period
Travel including winter sports Up to the age of 75

© Copyright @ 2019 Plum Underwriting Ltd. All rights reserved.
Plum Underwriting Ltd is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 50 Fenchurch Street, London, EC3M 3JY. Company number 04509589.

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