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Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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Page 1: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Aviva Private Clients – your distinct prospectus

Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Page 2: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Welcome to Distinct High Net Worth Insurance from Aviva Private Clients

When you have more, you expect a level of cover to match. It’s only natural that you should want the assurance that the belongings you treasure are protected with the same care and precision with which you chose them. Aviva Private Clients is the new and improved High Net Worth insurance proposition from Aviva, offering a new level of insurance excellence that perfectly complements your lifestyle.

We have recently refined our Distinct product range to make sure the cover we provide is of a standard

that others can only aspire to. With a first-class claims service and a highly flexible approach, you can

benefit from the exceptional experience and expertise our dedicated underwriters and claims managers

have to offer. You can rest easy there’s always a helping hand, to look after any claim swiftly, with

empathy and efficiency.

Through both our policies and our service, we aim to make sure you don’t have to worry about a thing.

With bespoke cover for your every need and the support of a company with more than 300 years of

trusted heritage, you can benefit from more choice, more protection and more exclusive benefits.

Discover the Good Thinking that makes our cover and first-class service so distinct.

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Page 3: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Contents

Distinct Home 6

Distinct Motor 11

Distinct Travel 14

A first-class claims service 17

Bespoke cover 18

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Page 4: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Distinct Home – for homes of distinction

Home cover crafted to a certain lifestyle

We know your home is more than just a place to live. And we know it’s more than just a building with contents. Distinct Home goes above and beyond to offer you a level of protection that complements your way of life, as well as your belongings.

Not only can Distinct Home cover higher values than standard insurance

can, it also gives you more as part of your policy. From complimentary

security advice to a GP helpline, Distinct Home is designed to protect the

home you love. And to make sure you get the cover that’s right for you

as an individual, we can work with you and your broker to set up a policy

with the correct cover options – whether you’ve got antiques, arts and

collectibles, a state-of-the-art sound system or the very latest gadgets.

Setting the highest standards

If any item in a set needs replacing, you won’t have to pay extra for Pairs,

Sets and Suites cover, as you normally would with a standard policy. Instead

we include it automatically – replacing them all for you so your interior

design isn’t affected. And we’ll also include Home Emergency cover, giving

you valuable cover if your heating system fails. Plus we’ll include Accidental

Damage as standard too, because we understand that accidents do happen.

We can also arrange a complimentary home security visit, looking at areas

such as theft, fire prevention and the general condition of your property to

help keep you, and it, safer. Our Risk Solutions helpline also gives you

general advice from locks, to fire prevention to environmental solutions.

And if you want a professionally installed safe, you can get preferential

rates from Insafe International Limited.

Exceptional cover for the whole family

We fully understand that ‘contents’ are far more than just things that fill up

your home. Whether they’re everyday necessities or little luxuries, they can

mean the world to you and your family – from the laptop that aids a child’s

education to a piece of jewellery that a family member has treasured for

years. That’s why we make sure that Distinct Home covers contents

belonging to a parent or grandparent while they’re in a nursing home or

residential care, as well as those belonging to a son or daughter in full-time

education, living and studying away from home – giving your whole family

peace of mind.

A first-class degree of flexibility

We know the contents of your home can’t always be in your home; there

are certain items you’ll take with you when you travel overseas. So if you

temporarily take contents somewhere else in the world they’ll be covered

wherever you are, along with any possessions you pick up along the way.

Plus we can even help you find trusted home-sitters to look after your home

and care for your pets while you’re away. We’ve negotiated preferential rates

with Homesitters Limited so you can travel with the ultimate peace of mind

– the knowledge that your home is in safe hands.

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Page 5: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Protecting with precision

We’re here to make sure that if something goes wrong, we can put it

right for you, quickly. For us to do this, it’s really important that your

home and everything in it are valued for the right amount. This makes

sure that you have adequate cover and aren’t under- (or over-) insured

– so the amount paid out in the event of a claim will actually cover

what needs to be replaced.

It’s so easy to lose touch with the number of valuable pieces you have

around your home, or how much individual items are worth. Some

valuables are hidden away in drawers, attics or outbuildings, while

others become part of your everyday life, so much so that you don’t

even think about how much they are worth now. For instance, the

value of things like clothing, curtains, carpets and soft furnishings,

electricals and collections, such as wines, can often be overlooked and

the value of designer items and precious metals can also rise much

quicker than you’d expect.

That’s why we’ve negotiated special discounted fees with

independent, professionally accredited companies who can provide

completely independent valuations of your home’s building and its

contents. Quastel Associates are professional valuers specialising in

antiques, works of art and jewellery, as well as more general items.

Valuations can be arranged with them for any number of items, from

a single painting to a detailed inventory.

For further support, specialist jewellers Mappin & Webb can record

details of a particular piece of jewellery so, if it is lost or damaged, they

can create an exact replica or arrange a specialist repair. We work with

other jewellers such as Watches of Switzerland and Goldsmiths, to give

a complete service for all our clients.

We also work with Barrett Corp & Harrington who can provide you

with an accurate re-building measurement and valuation, reflecting

the age and status of your home and all its distinguishing features.

You can then use these valuations to tell us how much cover you need.

And by working with respected loss adjustors Criterion, we make sure

we settle any claims accurately to the exact amount they are worth.

Expert services for your every need

Personal Jewellery Service

We partner up with specialists such as Mappin & Webb who

can create replica pieces, offer home visits, specialist repairs and

cash settlements.

Valuations

If you’d like to have your possessions valued, or obtain an accurate

re-building cost for your home, Quastel Associates and Barrett Corp

& Harrington are independent, professionally accredited companies

whose valuations are carried out by qualified staff offering full UK

coverage. We also work with Criterion to assist with the claims service.

To find out more about these services, please speak to your

insurance broker.

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Page 6: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Distinct Motor – for vehicles you value

Exceptional cover that keeps you in the driving seat

We understand your vehicle is an important part of your lifestyle – whatever model and make. Through Distinct Motor, we look after that lifestyle as well as your vehicle, offering a level of support far beyond what you would receive through standard motor insurance.

Settlement options for your satisfaction

If your vehicle is involved in an accident, you can be sure that you’ll receive a

first-class service that will quickly take care of everything – that’s just what we

do. For appropriate specialist risks we can offer Agreed Values, which means

we’ll liaise with you and your broker to agree the worth of your vehicle to you,

not just its market value. Plus, if you bought a new vehicle less than three years

ago only to have it involved in an accident, after which it simply can’t be

repaired, or have the distress of it being stolen and not recovered, we’ll help you

get back on the road quickly. You can choose either a straight replacement of

the same model, or to take cash for its market value – helping keep you on the

road and your life on track.

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Page 7: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Giving you the power to make the decisions

For added reassurance and to make things simpler for you, if your

vehicle needs repairing we have a network of manufacturer-approved

repairers, from BMW to Jaguar, at our fingertips, to get your vehicle

back into the condition you expect it to be in. Of course if your vehicle

needs repairing following a claim and there’s someone you trust to do

this, please feel free to use them for the repairs. It’s your vehicle, so it’s

your choice. Simply let us know first.

Premium courtesy cars for driving in style

If you need another vehicle while yours is being repaired, we

understand you don’t necessarily want to drive around in a small

hatchback, which is what a standard policy might provide. Should you

need another vehicle while yours is being repaired following a claim,

we offer the choice of a Mercedes C-Class or £4,000 of hire charges

towards an alternative vehicle in the UK.

Doing more to keep things moving

We think your vehicle insurance should help keep you on the road

however it can, so Distinct Motor also provides you with the very top

level of breakdown cover provided by RAC, available in both the UK

and Europe.

This includes roadside assistance, recovery, onward travel, replacement

vehicle hire, alternative transport and hotel accommodation, whenever

you need them. Or, if you’d rather not do the driving yourself, we also

cover chauffeurs.

Looking after you, too

Unfortunately, it might not only be your vehicle that is damaged in any

incident that leads to you making a claim. That’s why our Distinct

Motor policy includes physiotherapy cover for you and your

passengers. If you or any of your passengers are injured by the incident

causing you to claim, we can appoint a chartered physiotherapist to

provide treatment. Because, however important your vehicle is, we

understand the people you care about are more so.

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Page 8: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Going further for you

To enhance the comprehensive cover and exceptional service provided by Distinct Home, you can choose to add travel cover to it. Wherever you plan to go in the world, we can help you on your way.

Whether you’re travelling on business or pleasure, our cover comes

with added services to support the lifestyle you enjoy. And if you

encounter any problems, our efficient and effective claims service is

just a phone call away, ready to put things right.

Distinct Travel – Tailored cover that always travels with you

Taking care of your family’s travels

We will give you, any family member who lives in your home and any

live-in domestic staff who travel with you first-class support whenever

you travel up to the age of 79 years old. This saves you from having to

set up separate policies for everyone and gives you complete

confidence knowing that you are all able to benefit from the peace of

mind that this cover provides.

It also includes 24-hour medical emergency assistance wherever you

are in the world, as well as excellent levels of cover for circumstances

where you are no longer able to travel. Also, when you do get away,

trips of up to 90 days are covered for non-manual work trips and

holidays – giving you the time to achieve and enjoy your trip. We even

cover your leisure activities from golf to shark cage diving to skiing.

A helping hand when overseas

As a partner of the Know Before You Go campaign,

we are working with the Foreign and Commonwealth Office (FCO) to

help British travellers stay safe overseas. Before you go overseas, please

check their website. It’s packed with essential travel advice and tips,

plus up-to-date country information.

fco.gov.uk/travel

Please be aware that Aviva isn’t responsible for the content on other websites.

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Page 9: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

A first-class claims service that’s all about you

Settle your claim in the way you choose

We understand that a claim impacts your life – not ours. That’s why we

think how a claim is settled after validation should be your choice. If an item

is badly damaged or lost, you may want a direct replacement for it. If so we

can replace even the irreplaceable, such as a one-of-a-kind piece of jewellery

with a carefully created replica. You might prefer a cash settlement so you

can spend the money on whatever you wish. Or perhaps you would like to

keep the original item and have it expertly repaired. Whichever way is right

for you, you are welcome to use our trusted suppliers or your own contact

to help settle your claim in the manner you wish.

We do everything we can to make sure our service is exceptional for you

and our claims team is accessible every day of the year – so we’re on hand

to give you the advice you need, when you need it.

Break-ins, fires, floods, accidents, thefts, mishaps – we understand these are upsetting enough without it being difficult or time-consuming to make a claim. With Aviva Private Clients, you have peace of mind that you will be well looked after with an exceptional claims service.

Whether you or your broker contacts us about your claim, you will be

assigned an experienced and dedicated personal claim manager who will

be ready to look after your claim from start to finish. They’ll go above

and beyond to resolve your claim quickly and without hassle, while keeping

you updated throughout. In person or over the phone, your claims expert

will empathetically and efficiently get things back to normal for you and

ensure you receive the personal and prompt claims experience that we’re

so proud of.

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Page 10: Aviva Private Clients – your distinct prospectus · Aviva Private Clients – your distinct prospectus Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office:

Bespoke cover that complements the finer things

We make sure the cover we provide is of the highest possible standard. From the exceptional expertise of our dedicated underwriters and claims managers, to the excellent claims service. Aviva Private Clients is your place to turn for complete peace of mind.

Between them, our expert underwriters have over 600 years

experience. Every new aspect of your policy, whether it’s a new policy,

a renewal of policy or a mid-term change, will be underwritten

individually. We take into account every risk, regardless of size, so you

can be sure all your belongings are protected – no matter how

valuable. Plus you can benefit from an up to 10% discount if you use

both our Distinct Home and Distinct Motor products, or if you have a

commercial policy with Aviva.

We hope you enjoy the exclusive benefits and reassurance that Aviva

Private Clients can deliver. Whether you’re at home, on holiday or on

the road, you can relax in the knowledge we have your lifestyle well

and truly protected.

For more information about our Distinct products, please contact your

insurance broker.

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