Mid to High Net Worth Insurance

Tailored cover to accommodate your property, no matter how unique.

  • Flexible underwriting to cover extraordinary risk
  • Policies with automatic enhancements to secure additional cover
  • Experienced client executives to help assess your insurance requirements

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0344 892 6210
0344 892 6210

Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Features of our mid to high net worth insurance include:

Specialist cover

Whether you're a motor enthusiast, a sailor, or a collector of fine art, speak to a client executive who will be able to offer you the best buildings and contents product to suit your needs, from a selection of highly respected insurers.

Understanding your personal requirements

Our specialist team is dedicated to understanding what protection you need for peace of mind. This enables us to offer additional features that you wouldn't otherwise find in a standard insurance product - from cover for gifts to tenants liability and guests' personal property, we can offer features to suit your personal needs.

Contents cover to fit your lifestyle

From smart gadgets to fine jewellery, the value of personal property adds up quickly and this often leads to people under-insuring their possessions. We will help you to ensure that your property is well protected - whether within your home or whilst travelling. We also understand that certain items fluctuate in value; to name a few: wine, gold and watches. We are flexible and can accommodate these changes; just be sure to communicate these changes following valuations and we'll adjust your policy accordingly.

Buildings cover

We can offer cover for primary homes and secondary homes, including garages and outbuildings used for domestic purposes - even if inhabited by tenants. Policy features can include: loss of oil or metered water; new fixtures and fittings; upgrade alarm systems following criminal activity in the home; and even private counselling fees following a criminal incident within the home.

Mid to High Net Worth Insurance Claims

The Towergate Private Clients team is dedicated to handling your circumstances with the utmost discretion and professionalism.

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.

Need to make a claim?

Our team of client executives are on-hand to help. You can reach them Monday to Thursday from 8:30am to 6.00pm, Friday from 8:30am to 5.30pm on

0344 892 6210

Mid to High Net Worth Insurance FAQs

What is a policy excess?

A policy excess is an amount you are required to pay towards each claim made under a policy.

Why might I need a mid or high net worth insurance policy?

You may not realise that you fit within the category of a mid (MNW) or high net worth (HNW) individual. A mid net worth customer will typically need to insure contents to the value of between £80,000 and £200,000 and a high net worth customer will typically need to insure £150,000 upwards.

Are my possessions covered outside of the home?

Our high net worth insurance provides protection for your possessions anywhere in the world, subject to the limits of the insurer's policy. Please check with a client executive if you are unsure.

What items can be covered under your high net worth insurance policy?

Examples of Items we can cover include:

  • Boats
  • Fine art
  • Prestige and classic cars
  • Jewellery
  • Musical instruments/equipment
  • Buildings (including grounds and other outbuildings such as stables)
  • Antiques and collectibles
  • Holiday homes and overseas properties
  • Personal protection cover, e.g. kidnap and ransom or car-jacking
  • Technology
I'm expecting my list of high value items to be added to, can I amend my policy to include new items?

Should you need to add items to your policy, or change the value of existing items, please contact a 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.

Can I pay for my high net worth policy in instalments?

If you would like to spread the cost of your policy we offer the option to set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To learn more about how PCL and Towergate work together, please read our regulatory information.

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