WHATEVER YOUR STYLE, OUR INSURANCE SOLUTIONS FOR HIGHER VALUE HOMES ARE INDIVIDUALLY DESIGNED FOR YOU

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1 WHATEVER YOUR STYLE, OUR INSURANCE SOLUTIONS FOR HIGHER VALUE HOMES ARE INDIVIDUALLY DESIGNED FOR YOU

2 WHATEVER YOUR STYLE, OUR INSURANCE SOLUTIONS FOR HIGHER VALUE HOMES ARE INDIVIDUALLY DESIGNED FOR YOU

3 NOT ALL INSURANCE IS THE SAME A common misconception about insurance is that all cover is the same. This is why some people choose comparison sites to look for the cheapest deal. The reality is very different, particularly if you own a higher value property. Price is only part of the picture, and getting good value for money means striking the balance between price, protection and personalised service. While the cheapest standard policy may be adequate for the average threebedroom home, it may be a false economy for higher value homes especially if you own expensive jewellery, fine art or bespoke furniture. Unfortunately, if you do get the balance wrong, you may not find out unless you come to make a claim, by which time it is already too late.

4 FOR PEACE OF MIND SPEAK TO THE EXPERTS As a global leader in insurance broking and risk management, Marsh is ideally placed to help get the right solution and bespoke policy designed with you in mind. Working with a specialist broker helps overcome the issue of under-insurance. Marsh can help ensure that your home and possessions are valued correctly and insured for the right amount, so you have peace of mind from the outset knowing exactly what is covered and for how much. For your complimentary insurance review please contact Marsh s private clients team, or visit our webpage to request a call back. ( MarshPrivateClients@Marsh.com Please quote the following reference when contacting us: S2W. To arrange your tailor-made insurance solution, Marsh works with specialist insurers like Hiscox who have the flexibility to adapt to even the most complex risk scenario.

5 HISCOX, AS GOOD AS THEIR WORD With over 110 years experience, Hiscox has developed a policy specifically for owners of higher value homes and contents. Care for your possessions anytime, anywhere. Worldwide cover for theft, loss and damage of your belongings when you take them away from home. Accidental damage covered as standard with buildings and contents policies. Your possessions are replaced on a new for old basis, with no reductions in value for wear and tear. Protection for you and your family. Specialist help and support is available if you and your family are involved in a traumatic or stressful event such as identity fraud. Access to specialist services. You can access surveyors, furniture restorers, safe installers, legal advisors and a 24-hour personal security helpline for when you are travelling abroad. Hiscox is one of the few insurers in the UK to have achieved Chartered Insurer status from the Chartered Insurance Institute (CII) the gold standard of excellence, professionalism and integrity in insurance. Their dedicated, award-winning claims team* also take a common sense approach to ensure claims are handled quickly, efficiently and fairly.

6 Not all insurance is the same For peace of mind speak to the experts *Customer Care Award at the British Insurance Awards Personal Lines Team of the Year at the 2011 Claims Awards. Claims are dealt with on a case by case basis and are subject to the terms and conditions of the policy wording. For full details please read the policy wording. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. The information contained herein is based on sources we believe reliable and should be understood to be general risk management and insurance information only. The information is not intended to be taken as advice with respect to any individual situation and can not be relied upon as such. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for insurance mediation activities only. Copyright 2013 Marsh Ltd. All rights reserved.