High Net Worth Insurance

Trust our client executives to provide you with an insurance service that’s exclusive to you and tailored to your requirements

Your high value possessions require more than the ordinary attention of most brokers. With Towergate Private Clients, you'll receive a personalised service that caters for your precise needs with professionalism, expertise and discretion.

0344 892 6210
0344 892 6210 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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High net worth insurance features

If you own or have recently purchased high value items such as jewellery, fine art, a prized musical instrument or high value antiques, we will provide you with a service that's unique to you and helps protect your assets. We can tailor our service to cover your property and a huge range of high value possessions. Simply speak to one of our client executives, explain your requirements and we will work with you to arrive at a tailored solution for your insurance requirements, now and in the future.

As one of our private clients, you can benefit from a high net worth household insurance policy which is designed to cover high value items*.

Examples of Items we can cover include:

  • Fine art

  • Prestige and classic cars

  • Jewellery*

  • Musical instruments/equipment

  • Buildings (including grounds and other outbuildings such as stables)

  • Antiques and collectables

  • Holiday homes and overseas properties

  • Personal protection cover, e.g. kidnap and ransom or car-jacking

You can also be confident that should you make further purchases or investments, a client executive will take this into consideration and ensure your Private Clients policy evolves to meet your changing needs.

As specialist brokers, we can provide cover which is beyond the reach of regular policies from regular brokers. We take pride in the privacy and attention to detail with which we handle your cover and aim to build a truly personal relationship that grows with you.

*High value jewellery must be insured under a household policy and cannot be insured as a stand-alone item. Find out more about high value jewellery insurance

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


High net worth insurance exclusions

We may not be able to provide cover if:

  • You require cover for jewellery as a stand-alone item. This must be covered either as part of our home contents or home contents and buildings cover

  • Your property has a history of flooding or flood damage

  • Your property has a history of subsidence

  • You have had insurance cover previously declined, cancelled or voided

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


High net worth insurance FAQs

What is a policy excess?

An amount you have to pay towards each claim made under the policy.

Are my possessions covered outside of the home?

Our insurance provides protection for your possessions anywhere in the world, subject to the limits of the insurer's policy.

Can I cover my high value jewellery?

Yes but you must insure your jewellery as part of a contents policy or combined buildings and contents policy. We are currently unable to cover your jewellery as a stand-alone item.

I'm expecting my list of high value items to be added to, can I amend my policy to include new items?

Absolutely. Simply get in touch with your client executive and let them know the changes you wish to make to your policy. They will manage the change to the policy and update you as to your level of cover.

Will you need to survey my property or have my items valued?

In some cases, we will require a survey of your home arrangements to have an accurate idea of the risk associated with your policy. We may also request valuations in respect of your high value items. Your client executive will be happy to explain more about this.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


High net worth insurance policy documents

Policy Wording [pdf, 785 KB] Policy Summary [pdf, 722 KB]
Service Promise

High net worth insurance claims promise

The service we provide to you

The Towergate Private Clients team is dedicated to handling your circumstances with the utmost discretion and professionalism. We understand that the possessions you wish to cover are of the highest quality so we feel that our service should and does reflect that.

As soon as you get in touch with us, your private client experience will begin including advice and support throughout the duration of your policy. So if you need to amend your policy details, make a claim or simply check what you're covered for, our team is on hand to deal with your request and put your mind at ease.

Towergate Private Clients is different from a regular insurance broker in that our years of experience in dealing with insurance for wealthier individuals has given us the knowledge and expertise to hone our services and create a customer experience that's up there with the best.

Our team of client executives are on hand to meet your requirements. You can reach them Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm on 0344 892 1372.

Call us or make an enquiry today to see what we can do for you.

0344 892 6210
0344 892 6210 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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