Premier - All Risks High Net Worth Home (ROI)
Premier (ROI) is a worldwide "All Risks" High Net Worth home insurance policy available in the Republic of Ireland.
Premier has a flexible underwriting appetite, few limitations, high policy limits and a host of special cover extensions. It is designed for high net worth clients with contents valued at more than €150,000.
Worldwide, "All Risks" cover for:
- Buildings
- Contents
- Fine Art
- Valuables
Additional inclusive cover for:
- Your liability as Owner and/or Occupier
- Your liability to Domestic Employee(s)
- Home Emergency
- Legal Expenses
- Identity Theft
- Cyber
- Travel
Quote request
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Here at Plum we’re committed to supporting brokers. To helping you win and retain profitable business. Premier is an important part of us delivering on that commitment. It’s a worldwide, all risks policy which rivals any other "all risks" product available to brokers.
Like all our specialist home insurance products Premier is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it is supported by our responsive, top quality service. So when you choose Premier, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.
*Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to the Premier policy wording.
Premier rivals any "All Risks" High Net Worth product available to brokers in the Republic of Ireland.
What's more, we'll be flexible with our underwriting and appetite as long as the sums insured qualify.*
Five good reasons to choose Premier:
Service - Instant quote indications available via the Plum Online Portal, supported by access to our Private Client team of experienced senior underwriters for more complicated risks.
Cover - Premier is a worldwide all risks policy which can compete with any high net worth product available to brokers. You can choose Premier for your private clients with confidence.
Price - As well as providing comprehensive cover, we’ve ensured that Premier is competitively priced so that a Premier quote will not only assist you in retaining existing clients but help you win profitable new business too.
Security - Underwriting capacity for Premier is provided by Lloyd's, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.
Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. Premier is further evidence of our strong commitment to backing brokers.
*Complex risks which require flexible underwriting may have cover amended, removed or special terms applied to help us aim to provide a quotation whatever the circumstances.
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
| Cover | Limit |
|---|---|
| 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
| Cover | Limit |
|---|---|
| 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
| Cover | Limit |
|---|---|
| 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
| Cover | Limit |
|---|---|
| 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
| Cover | Limit |
|---|---|
| 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
| Cover | Limit |
|---|---|
| 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 |
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
Feedback
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here.