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Private Clients

Here at CIC, we are specialists in the field of mid and high net worth insurance. We have a wealth of experience working with private clients and a commitment to clearly understand your specific requirements. Our friendly and experienced team can help guide you through the complexities of insurance and create a highly tailored policy at the best available premium and terms. We have developed a carefully selected panel of quality UK household insurers, together with a number of niche markets, which gives us the flexibility to place almost any risk.

Typically for those with household reinstatement values in excess of £500,000 or at least £100,000 of contents, we recommend policies on a more bespoke basis. We can guarantee a discreet and personalised service, often in your home and can also help with appraisals to ensure that sums insured are adequate as well as giving advice on valuations and security measures if necessary.

The service we offer certainly doesn’t stop once cover has been arranged. We offer an ongoing first class service which includes searching the market at each renewal and assisting with any paperwork. In the unfortunate event of a claim, we are here to hold your hand and ease the stress by recommending trusted contractors and liaising with insurers, claims handlers and loss adjusters if required. We strongly believe that our clients shouldn’t have to spend lots of time worrying about insurance when we can do this for them. This is the reason so many of our high value clients refer us to others.

  • Classic Cars
  • Antiques & Art
  • Watches & Jewellery
  • Marine & Aviation
  • Holiday Homes

Antiques & Art

For those collectors with a passion for fine art and antiques, our panel of mid and high net worth insurers will cover you in the event that any of your pieces are stolen or damaged. Our policies usually include just some of the following benefits:

  • Higher single article limits so no need to list all your items
  • Accidental damage and loss cover as standard
  • Agreed value approach
  • Cash or replacement option in the event of a claim
  • Valuations usually only required for very expensive items

Watches & Jewellery

We are here to help protect your cherished valuables and we truly appreciate their worth to you. Our mid and high net worth home insurance policies offer exceptional cover for any high value items of jewellery and watches, including unrestricted worldwide use. There are also numerous other fantastic features such as:

  • Agreed Value
  • ‘All Risks’ worldwide cover, including accidental loss and damage
  • Cash or replacement option
  • Valuations only required for very high value items
  • Replacement of a pair or set
  • Instant cover for newly acquired pieces

High Performance Cars

For those who love high performance cars, specialist insurance is essential. Our panel of selected insurers offer cover that has a number of extraordinary features that you wouldn’t find with an ordinary car insurer. This can include:

  • Fully comprehensive cover, no matter what car you, or a named family member, drive
  • Agreed Value from the outset
  • 24-month new car replacement facility
  • Repairs by the garage of your choice
  • Like-for-like courtesy car provided in the event of an accident, or if your car is stolen
  • No penalty for ‘no fault’ claims
  • Unlimited audio/stereo cover
  • Unlimited number of foreign trips (each up to 90 days)
  • Free breakdown cover for UK & Continental Europe
  • Legal expenses

Classic Cars

We know that the owner of a classic car looks after it with all possible care and wants to make sure that it is properly covered in the event of a claim. Our helpful, professional and knowledgeable team will make sure we find the best policy to meet your demands and needs. The insurers we have access to offer just some of the following benefits:

  • Agreed value
  • Laid up cover
  • Breakdown & recovery in the UK and Europe
  • Repairer of choice
  • Limited mileage discounts
  • Event and rally cover

Holiday Homes

If you own an overseas property in Europe, we can provide the right cover for you. Whether it’s a holiday home for personal use or regularly let to holiday makers, our helpful team can provide the professional advice and guidance that you require. The policies that we offer can include cover for:

  • Buildings (including swimming pools, garages, outbuildings)
  • Contents
  • Trace & access cover
  • Property owner’s liability
  • Employer’s liability
  • Loss of rent cover
  • Alternative accommodation.

Yacht Insurance

CIC can provide competitive, tailored quotes for a variety of yachts, motorboats and superyachts valued up to £10 Million. We work closely with some of the UK’s leading specialist providers which means that even the most complex risks can be accommodated. Key features include:

  • Hull values up to £10 Million
  • Worldwide navigation
  • Protection and indemnity up to £5 million
  • Personal effects and contents cover
  • Can include cover for war, piracy and terrorism
  • Cover for crew and paying passengers if required

Call us now for a complete personal service.

We will be happy to discuss your insurance portfolio on the telephone or in your home.

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