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.
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, your 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.
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.
An amount you have to pay towards each claim made under the policy.
Our insurance provides protection for your possessions anywhere in the world, subject to the limits of the insurer's policy.
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.
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.
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.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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.
