Insurance as individual as you are MMM. Private Client INSURANCE. feel better protected

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1 Insurance as individual as you are MMM Private Client INSURANCE feel better protected

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3 Designing your cover around you Everyone is different. So why should all insurance policies be the same? At MMM, we believe every client should be treated as an individual and their insurance tailored accordingly. That s why we provide bespoke solutions for people who are looking for the peace of mind and protection that comes with exceptional cover. Specialist insurance is more than the preserve of the world s wealthiest. It s an essential consideration for anyone with higher value homes, possessions, vehicles or travel requirements, for whom traditional insurance is potentially unsuitable and costly. Our exclusive insurance brings you the confidence of knowing you re safeguarding everything you hold dear. It s also reassuring to know that, when the time comes to claim, we ll make sure matters are taken care of quickly, effectively and without fuss or disruption. When it comes to protecting your finances and your family s lifestyle, we believe excellence should come as standard. MMM Private Client Insurance is an exclusive arrangement brought to you by Medical Money Management (General Insurance Brokers) Ltd

4 Working together to bring you more To bring you the finest cover, we have an exclusive arrangement with Hiscox Insurance Company Ltd, one of the UK s leading high value home and motor insurance providers. Hiscox s strong values of respect, integrity and quality have made them one of the most highly regarded insurers in their field and the perfect partner for MMM Private Client Insurance. Our relationship with such a prestigious Company ensures that when you make a claim on the MMM Private Client policy, you will always receive fast, fair and friendly attention from a multi-award winning team. Following a loss, specialists will work tirelessly to replace, repair or restore your treasured items. You also gain the freedom to choose your own contractors and suppliers for repairs and replacements or to receive full cash values for damaged or lost possessions.

5 As independent brokers, we feel it is essential that we are able to select from a range of specialist contracts. Therefore, in addition to our bespoke Hiscox contract, we have also developed strong relationships with firms such as Chubb, Aviva, AXA Art, Oak Underwriting, Zurich Private Client and Plum Underwriting, all of whom have specialist policies for the mid and/or high net worth market and have been selected based on their proven ability to provide superior cover and first class service, setting theirs apart from the typical policies available in today s market. Whatever your circumstances, we can provide you with the right package of protection, tailored to your specific requirements.

6 Helping you feel right at home When it comes to providing you with home insurance, quality comes first. You can always feel sure your insurance covers your home and contents, without ever having to select expensive optional extras. The insurance brings you: superior worldwide contents cover for all risks complete buildings insurance, including cover for accidental damage new-for-old replacements personal security advice and support, including cover for identity fraud family legal protection cover for you and your family the freedom to choose your own repairers or suppliers. Enhancing your cover Whether you have a few items of art or a full collection of valuables, we can provide enhanced cover rarely seen in a standard insurance policy, including: high single cover limits: 17,500 for jewellery and 30,000 for art, antiques and collectables cover for lost value following repairs of listed fine art and valuables automatic cover increases for new acquisitions defective title cover for art, protecting you from financial loss if art is returned to original owners following a dispute full replacement costs guaranteed on listed jewellery valued in the last three years.

7 Understanding your insurance needs Being under-insured is a risk too many people take. Under-valuing your home and its contents is a common issue and can prove extremely costly. This is particularly relevant with many insurers now employing clauses that allow them to reduce any claim payment in line with the rate of under-insurance; or, in some cases, refusing to pay altogether. Not only can we provide you with a policy that carries no such clause, we can ensure you are adequately covered from outset. Bespoke arrangements with one of the industry s most respected firms of Chartered Surveyors, Scott-Brown Risk Management and leading appraisers of contents, fine art, antiques and jewellery, Pall Mall Art Advisors, means that before we obtain quotations from insurers, we can arrange for an independent assessment of the value of your property and/or possessions and provide a report that will outline your insurance requirements. Depending on the individual circumstances, this may be at no cost to you or at the very least, at a substantial discount on the standard fee. With MMM Private Client you can feel confident you are fully insured and protected.

8 Going the extra mile for you Your car may very well be your second most expensive asset after your home, so it s vital you choose the right insurance. Created to meet your individual requirements, your motor insurance will bring you much more than traditional vehicle cover, including: cover for any driver over 30 years old (household drivers and drivers under this age must be named) cover for any named driver to drive someone else s car on a comprehensive basis full UK and European breakdown cover for named drivers regardless of the car they re driving motor prosecution defence costs cover for legal and medical costs relating to road rage, carjacking and trauma personalised plates cover your No Claims Discount will not be reduced if you are hit by an uninsured driver, or are the victim of theft or vandalism protection of your vehicle(s) with agreed value cover the option to insure all household vehicles under a single policy cover to take your car abroad as many times as you like, up to 90 days per trip.

9 Making every claim easy Claiming on your insurance is refreshingly fast and straightforward. You ll know how much you will receive, without having to haggle, as the value of your vehicle is agreed at the beginning of each year. Whenever you need a courtesy car, we ll ensure it s a similar vehicle to the one you drive. The benefits don t end there. If your vehicle needs repairing, you can take it to a repair centre of your choice or an insurer-approved centre, if you prefer.

10 Protecting you the world over Whether life takes you to familiar destinations or off the beaten track, it s essential you choose quality travel insurance. Many countries do not provide easily accessible healthcare. Equally, with expensive adventure holidays and exotic locations becoming increasingly popular travel choices, it s critical your cover provides more than standard insurance. Your travel insurance will deliver: worldwide cover as standard medical expenses and repatriation cover: up to 5,000,000 per person personal accident cover: up to 50,000 per person cancellation and curtailment cover: up to 15,000 per person cover for travel delays cover for volcanic activity, earthquakes, tsunamis, flooding, bad weather and avalanches as standard cover for strikes, riots and civil commotion winter sports cover hijack and ransom cover. Going further to provide cover People with pre-existing conditions can often find it difficult to obtain travel insurance. Hiscox s common sense approach and genuine desire to support people means they will endeavour to provide cover wherever possible.

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12 We re ready to help To find out more about how we can provide the exceptional protection you and your family require, please contact your nearest office. Birmingham 16 Hockley Court, 2401 Stratford Road, Hockley Heath, Solihull, Birmingham, B94 6NW Tel: Fax: Bristol 3 Greystoke Business Centre, High Street, Portishead, Bristol, BS20 6PY Tel: Fax: bristol@medicalmoney.co.uk Exeter Estuary House, Peninsula Park, Rydon Lane, Exeter, EX2 7XE Tel: Fax: exeter@medicalmoney.co.uk Glasgow 24 Newton Place, Glasgow, G3 7PY Tel: Fax: glasgow@medicalmoney.co.uk Leeds Suite 8, Jason House, Kerry Hill, Horsforth, Leeds, LS18 4JR Tel: Fax: leeds@medicalmoney.co.uk Liverpool MPIB House, 36a Rodney Street, Liverpool, L1 9HT Tel: Fax: liverpool@medicalmoney.co.uk Manchester 8-12 Old Market Place, Altrincham, Cheshire, WA14 4DF Tel: Fax: manchester@medicalmoney.co.uk Sheffield 4 Hutcliffe Wood Road, Sheffield, South Yorkshire, S8 0EX Tel: Fax: sheffield@medicalmoney.co.uk MMM (GENERAL feel better advised Medical Money MANAGEMENT INSURANCE BROKERS) LIMITED Medical Money Management (General Insurance Brokers) Ltd is authorised and regulated by the Financial Conduct Authority MMM-PC (v1)