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

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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