A better way to insure the things that matter to you.

R A Rossborough (IOM) LimitedNew WingVictory HouseIsle of ManIM1 1 EQ

www.rossborough.co.uk

Regulated with the Insurance and Pensions Authority in respect of General Business

R A Rossborough (Guernsey) LimitedPO Box 127Rossborough HouseBulwer AvenueSt SampsonsGuernseyGY1 3HG

www.rossborough.co.uk

R A Rossborough (Insurance Brokers) LimitedPO Box 2841 La Motte StreetSt HelierJerseyJE4 8NS

www.rossborough.co.uk

R A Rossborough (Guernsey) Limited is licensed by Guernsey Financial Services Commission

Regulated by the Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 1 28/02/2012 14:13:47

Making a claim

Assessing and mitigating your risksNo claim can be successful if your possessions aren’t valued correctly. Our experienced advisors will ask all the right questions to help work out the level and type of cover you need. They can also arrange for an appraisal expert to value your home and/or your other major assets: they have experience in unique, historic and unusual homes, fine art, and much, much more. And they’ll be able to offer you expert guidance on reducing the levels of risk attached to your various high-value items.

A different approach to claims-handlingMaking a claim is when you’ll really feel the difference, thanks to a more understanding, flexible approach. For example, your valuables are covered on a worldwide “all risks” basis – so there’ll be no quibbling about where the incident happened. Plus, we can agree cash values for your possessions (with the option to accept this rather then repair or replacement), so your outcome will be more predictable.

Claims are faster and easierWhen something unpleasant happens, the last thing you need is even more hassle. Life is busy enough, so we’ll take care of as much as possible on your behalf: as soon as you make a claim, a dedicated team of claims handlers will take over. They’ll liaise with your insurers and other third parties, so you don’t have to - and they’ll keep you fully informed at every stage. And thanks to dedicated loss adjusters and direct access to expert legal advice, we can usually offera faster turnaround.

We may not be able to prevent theft or loss - but we can take away the hassle.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 5 28/02/2012 14:13:56

it's too late.

Contact us today on 0845 6433 441privateclients@gilesinsurance.co.uk

If you have possessions which need extra protection, turn to Giles. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

Don't leave it until it's too late.

Contact us today

Jersey+44 (0)1534 500693privateclientsjersey@rossboroughgroup.co.uk

Guernsey+44 (0)1481 241555privateclientsguernsey@rossboroughgroup.co.uk

Isle of Man+44 (0)1624 631631privateclientsiom@rossboroughgroup.co.uk

www.rossborough.co.uk

If you have possessions which need extra protection, turn to Rossborough. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 6 28/02/2012 14:13:56

A dedicatedPrivate Clients team

We understand that since there’s nothing ‘standard’ about you, a standard policy - and a standard level of service - just won’t do.

A superior serviceOur Private Clients team is totally committed to making your life easier: nothing is too much trouble. And from your very first contact with us, all the way through to any claims you may make, you’ll always have an experienced, named account handler: it’s all part of the service.

You’ll benefit from their expert guidance as well as all the legwork they’ll do on your behalf - making arranging your cover as quick, simple and seamless as possible.

Understanding your personal lifestyleOver time, without realising it, it could be quite easy to become under-insured, as your needs change or grow. Therefore, your account handler will take a personal interest in helping you maintain all the protection you need. For example, if you travel a lot, they’ll check whether your high-value possessions are insured to go with you.

They’ll take the time to understand your interests, and can arrange cover for things you do regularly, such as golf - or less often, such as track-day events*.

If you’ve invested in property, they can arrange property owner’s liability or domestic employees liability cover. They can even offer more unusual policy features, to cover you in the event of identity fraud, road or air-rage, car-jacking, and more.

Identifying and tailoring the right cover for youWe’ll listen carefully and ask all the right questions, so we can find just the right policy and level of cover for your circumstances. As one of the UK’s top 10 independent insurance brokers, Rossborough works with some of Britain’s biggest and most specialist insurers of valuable assets. That means we’re able to selectively choose the cover that’s right for you, to tailor it to your precise needs, and to offer it to you at a competitive price. And it’s worth knowing that policies arranged by our Private Clients team all offer higher levels of cover and more flexibility than standard policies.

* Restrictions apply. See policy for full details.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 3 28/02/2012 14:13:51

A better way to insure the things that matter to you.

R A Rossborough (IOM) LimitedNew WingVictory HouseIsle of ManIM1 1 EQ

www.rossborough.co.uk

Regulated with the Insurance and Pensions Authority in respect of General Business

R A Rossborough (Guernsey) LimitedPO Box 127Rossborough HouseBulwer AvenueSt SampsonsGuernseyGY1 3HG

www.rossborough.co.uk

R A Rossborough (Insurance Brokers) LimitedPO Box 2841 La Motte StreetSt HelierJerseyJE4 8NS

www.rossborough.co.uk

R A Rossborough (Guernsey) Limited is licensed by Guernsey Financial Services Commission

Regulated by the Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 1 28/02/2012 14:13:47

Most people don’t need enhanced insurance cover.

You’re not most people.

You’re accustomed to the finer things in life. But are they adequately protected?

When you’ve worked hard for something, or perhaps even inherited something very precious, the last thing you want is to risk losing it. But did you realise that standard insurance policies are unlikely to offer you the enhanced level of protection you may need? When it comes to making a claim, don’t find out - too late - that your policy wasn’t up to scratch.

Unfortunately, far too many people who own valuable possessions aren’t adequately covered. And when they make a claim, they may discover that their policies either pay out nothing at all, or a much lower or averaged sum.

There could be a number of reasons why you need a higher level of cover. Perhaps you own high-value cars or homes, or like to surround yourself with the latest technology. Maybe you have a valuable collection, or you’ve invested in wine. Or perhaps you’ve inherited jewellery, property or paintings.

Thankfully, there's a way of protecting your valuables which suits you and your lifestyle perfectly. A way that takes account of you as a unique individual with very particular requirements.

Our Private Clients team will arrange a policy which offers superior cover for your more valuable possessions - a higher level of protection offering extra benefits you almost certainly won’t find on any standard policy. Plus, a greater degree of flexibility means that, should you ever need to make a claim, you’re much less likely to have to negotiate over minor details with your insurer, and far more likely to achieve an outcome you’re happy with.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 2 28/02/2012 14:13:49

Most people don’t need enhanced insurance cover.

You’re not most people.

You’re accustomed to the finer things in life. But are they adequately protected?

When you’ve worked hard for something, or perhaps even inherited something very precious, the last thing you want is to risk losing it. But did you realise that standard insurance policies are unlikely to offer you the enhanced level of protection you may need? When it comes to making a claim, don’t find out - too late - that your policy wasn’t up to scratch.

Unfortunately, far too many people who own valuable possessions aren’t adequately covered. And when they make a claim, they may discover that their policies either pay out nothing at all, or a much lower or averaged sum.

There could be a number of reasons why you need a higher level of cover. Perhaps you own high-value cars or homes, or like to surround yourself with the latest technology. Maybe you have a valuable collection, or you’ve invested in wine. Or perhaps you’ve inherited jewellery, property or paintings.

Thankfully, there's a way of protecting your valuables which suits you and your lifestyle perfectly. A way that takes account of you as a unique individual with very particular requirements.

Our Private Clients team will arrange a policy which offers superior cover for your more valuable possessions - a higher level of protection offering extra benefits you almost certainly won’t find on any standard policy. Plus, a greater degree of flexibility means that, should you ever need to make a claim, you’re much less likely to have to negotiate over minor details with your insurer, and far more likely to achieve an outcome you’re happy with.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 2 28/02/2012 14:13:49

A dedicatedPrivate Clients team

We understand that since there’s nothing ‘standard’ about you, a standard policy - and a standard level of service - just won’t do.

A superior serviceOur Private Clients team is totally committed to making your life easier: nothing is too much trouble. And from your very first contact with us, all the way through to any claims you may make, you’ll always have an experienced, named account handler: it’s all part of the service.

You’ll benefit from their expert guidance as well as all the legwork they’ll do on your behalf - making arranging your cover as quick, simple and seamless as possible.

Understanding your personal lifestyleOver time, without realising it, it could be quite easy to become under-insured, as your needs change or grow. Therefore, your account handler will take a personal interest in helping you maintain all the protection you need. For example, if you travel a lot, they’ll check whether your high-value possessions are insured to go with you.

They’ll take the time to understand your interests, and can arrange cover for things you do regularly, such as golf - or less often, such as track-day events*.

If you’ve invested in property, they can arrange property owner’s liability or domestic employees liability cover. They can even offer more unusual policy features, to cover you in the event of identity fraud, road or air-rage, car-jacking, and more.

Identifying and tailoring the right cover for youWe’ll listen carefully and ask all the right questions, so we can find just the right policy and level of cover for your circumstances. As one of the UK’s top 10 independent insurance brokers, Rossborough works with some of Britain’s biggest and most specialist insurers of valuable assets. That means we’re able to selectively choose the cover that’s right for you, to tailor it to your precise needs, and to offer it to you at a competitive price. And it’s worth knowing that policies arranged by our Private Clients team all offer higher levels of cover and more flexibility than standard policies.

* Restrictions apply. See policy for full details.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 3 28/02/2012 14:13:51

A dedicatedPrivate Clients team

We understand that since there’s nothing ‘standard’ about you, a standard policy - and a standard level of service - just won’t do.

A superior serviceOur Private Clients team is totally committed to making your life easier: nothing is too much trouble. And from your very first contact with us, all the way through to any claims you may make, you’ll always have an experienced, named account handler: it’s all part of the service.

You’ll benefit from their expert guidance as well as all the legwork they’ll do on your behalf - making arranging your cover as quick, simple and seamless as possible.

Understanding your personal lifestyleOver time, without realising it, it could be quite easy to become under-insured, as your needs change or grow. Therefore, your account handler will take a personal interest in helping you maintain all the protection you need. For example, if you travel a lot, they’ll check whether your high-value possessions are insured to go with you.

They’ll take the time to understand your interests, and can arrange cover for things you do regularly, such as golf - or less often, such as track-day events*.

If you’ve invested in property, they can arrange property owner’s liability or domestic employees liability cover. They can even offer more unusual policy features, to cover you in the event of identity fraud, road or air-rage, car-jacking, and more.

Identifying and tailoring the right cover for youWe’ll listen carefully and ask all the right questions, so we can find just the right policy and level of cover for your circumstances. As one of the UK’s top 10 independent insurance brokers, Rossborough works with some of Britain’s biggest and most specialist insurers of valuable assets. That means we’re able to selectively choose the cover that’s right for you, to tailor it to your precise needs, and to offer it to you at a competitive price. And it’s worth knowing that policies arranged by our Private Clients team all offer higher levels of cover and more flexibility than standard policies.

* Restrictions apply. See policy for full details.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 3 28/02/2012 14:13:51

Wider, moreflexible cover

We can arrange cover tailored to your lifestyle, including second homes overseas, multiple vehicles/water craft, year-round travel, and more. These could permit you to:• enjoy higher levels of cover than you’d be allowed on standard policies• agree cash values for items you can’t (or don’t want to) replace• guarantee the buildings sum insured after survey• take your possessions anywhere in the world on an “all-risks” basis • experience a bespoke and more specialist approach to claims; for example, choosing your own repairer.

Why aren’t standard policies enough?Standard policies may fall short on both the type and level of cover available. They may not match your lifestyle, and may not take into account the complexity of your assets - so you could end up being severely under-insured. Which means that, in the event of a claim, you might not receive the settlement you expect.

Keep all your cover under one roofDepending on your circumstances, you might find it more efficient and cost-effective to combine all of your insurances on one policy. If that’s the case, we can arrange access to a policy specially designed for this purpose and which offers a number of extra benefits.

This single policy could cover anything from your cars and boats to your wine cellar, your home contents, your second home, your personal safety, and your global travel. It’s really flexible, too: for example, the motor element of your policy could include anything from your daily runabout to classic and luxury cars, motorbikes, motorhomes, quad bikes, horseboxes and more. Even fairly complex cover can be managed quickly and simply, and you’ll have the additional advantages of:• just one set of insurance paperwork• one named contact in the event of needing to make a claim, an enquiry or an amendment to your policy• just one renewal date.

To make it even easier, we can switch your policies over for you: just give us all the details and we’ll arrange the transfers to your single policy as each one comes up for renewal.

Combining all of your cover could save you a major headache - and could save you money.

Your lifestyle is unique. So a generic insurance policy might not offer you the protection you need.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 4 28/02/2012 14:13:53

Wider, moreflexible cover

We can arrange cover tailored to your lifestyle, including second homes overseas, multiple vehicles/water craft, year-round travel, and more. These could permit you to:• enjoy higher levels of cover than you’d be allowed on standard policies• agree cash values for items you can’t (or don’t want to) replace• guarantee the buildings sum insured after survey• take your possessions anywhere in the world on an “all-risks” basis • experience a bespoke and more specialist approach to claims; for example, choosing your own repairer.

Why aren’t standard policies enough?Standard policies may fall short on both the type and level of cover available. They may not match your lifestyle, and may not take into account the complexity of your assets - so you could end up being severely under-insured. Which means that, in the event of a claim, you might not receive the settlement you expect.

Keep all your cover under one roofDepending on your circumstances, you might find it more efficient and cost-effective to combine all of your insurances on one policy. If that’s the case, we can arrange access to a policy specially designed for this purpose and which offers a number of extra benefits.

This single policy could cover anything from your cars and boats to your wine cellar, your home contents, your second home, your personal safety, and your global travel. It’s really flexible, too: for example, the motor element of your policy could include anything from your daily runabout to classic and luxury cars, motorbikes, motorhomes, quad bikes, horseboxes and more. Even fairly complex cover can be managed quickly and simply, and you’ll have the additional advantages of:• just one set of insurance paperwork• one named contact in the event of needing to make a claim, an enquiry or an amendment to your policy• just one renewal date.

To make it even easier, we can switch your policies over for you: just give us all the details and we’ll arrange the transfers to your single policy as each one comes up for renewal.

Combining all of your cover could save you a major headache - and could save you money.

Your lifestyle is unique. So a generic insurance policy might not offer you the protection you need.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 4 28/02/2012 14:13:53

Making a claim

Assessing and mitigating your risksNo claim can be successful if your possessions aren’t valued correctly. Our experienced advisors will ask all the right questions to help work out the level and type of cover you need. They can also arrange for an appraisal expert to value your home and/or your other major assets: they have experience in unique, historic and unusual homes, fine art, and much, much more. And they’ll be able to offer you expert guidance on reducing the levels of risk attached to your various high-value items.

A different approach to claims-handlingMaking a claim is when you’ll really feel the difference, thanks to a more understanding, flexible approach. For example, your valuables are covered on a worldwide “all risks” basis – so there’ll be no quibbling about where the incident happened. Plus, we can agree cash values for your possessions (with the option to accept this rather then repair or replacement), so your outcome will be more predictable.

Claims are faster and easierWhen something unpleasant happens, the last thing you need is even more hassle. Life is busy enough, so we’ll take care of as much as possible on your behalf: as soon as you make a claim, a dedicated team of claims handlers will take over. They’ll liaise with your insurers and other third parties, so you don’t have to - and they’ll keep you fully informed at every stage. And thanks to dedicated loss adjusters and direct access to expert legal advice, we can usually offera faster turnaround.

We may not be able to prevent theft or loss - but we can take away the hassle.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 5 28/02/2012 14:13:56

Making a claim

Assessing and mitigating your risksNo claim can be successful if your possessions aren’t valued correctly. Our experienced advisors will ask all the right questions to help work out the level and type of cover you need. They can also arrange for an appraisal expert to value your home and/or your other major assets: they have experience in unique, historic and unusual homes, fine art, and much, much more. And they’ll be able to offer you expert guidance on reducing the levels of risk attached to your various high-value items.

A different approach to claims-handlingMaking a claim is when you’ll really feel the difference, thanks to a more understanding, flexible approach. For example, your valuables are covered on a worldwide “all risks” basis – so there’ll be no quibbling about where the incident happened. Plus, we can agree cash values for your possessions (with the option to accept this rather then repair or replacement), so your outcome will be more predictable.

Claims are faster and easierWhen something unpleasant happens, the last thing you need is even more hassle. Life is busy enough, so we’ll take care of as much as possible on your behalf: as soon as you make a claim, a dedicated team of claims handlers will take over. They’ll liaise with your insurers and other third parties, so you don’t have to - and they’ll keep you fully informed at every stage. And thanks to dedicated loss adjusters and direct access to expert legal advice, we can usually offera faster turnaround.

We may not be able to prevent theft or loss - but we can take away the hassle.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 5 28/02/2012 14:13:56

Making a claim

Assessing and mitigating your risksNo claim can be successful if your possessions aren’t valued correctly. Our experienced advisors will ask all the right questions to help work out the level and type of cover you need. They can also arrange for an appraisal expert to value your home and/or your other major assets: they have experience in unique, historic and unusual homes, fine art, and much, much more. And they’ll be able to offer you expert guidance on reducing the levels of risk attached to your various high-value items.

A different approach to claims-handlingMaking a claim is when you’ll really feel the difference, thanks to a more understanding, flexible approach. For example, your valuables are covered on a worldwide “all risks” basis – so there’ll be no quibbling about where the incident happened. Plus, we can agree cash values for your possessions (with the option to accept this rather then repair or replacement), so your outcome will be more predictable.

Claims are faster and easierWhen something unpleasant happens, the last thing you need is even more hassle. Life is busy enough, so we’ll take care of as much as possible on your behalf: as soon as you make a claim, a dedicated team of claims handlers will take over. They’ll liaise with your insurers and other third parties, so you don’t have to - and they’ll keep you fully informed at every stage. And thanks to dedicated loss adjusters and direct access to expert legal advice, we can usually offera faster turnaround.

We may not be able to prevent theft or loss - but we can take away the hassle.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 5 28/02/2012 14:13:56

it's too late.

Contact us today on 0845 6433 441privateclients@gilesinsurance.co.uk

If you have possessions which need extra protection, turn to Giles. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

Don't leave it until it's too late.

Contact us today

Jersey+44 (0)1534 500693privateclientsjersey@rossboroughgroup.co.uk

Guernsey+44 (0)1481 241555privateclientsguernsey@rossboroughgroup.co.uk

Isle of Man+44 (0)1624 631631privateclientsiom@rossboroughgroup.co.uk

www.rossborough.co.uk

If you have possessions which need extra protection, turn to Rossborough. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 6 28/02/2012 14:13:56

it's too late.

Contact us today on 0845 6433 441privateclients@gilesinsurance.co.uk

If you have possessions which need extra protection, turn to Giles. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

Don't leave it until it's too late.

Contact us today

Jersey+44 (0)1534 500693privateclientsjersey@rossboroughgroup.co.uk

Guernsey+44 (0)1481 241555privateclientsguernsey@rossboroughgroup.co.uk

Isle of Man+44 (0)1624 631631privateclientsiom@rossboroughgroup.co.uk

www.rossborough.co.uk

If you have possessions which need extra protection, turn to Rossborough. We’ll work closely with you to tailor superior, flexible cover which reflects your personal lifestyle and protects your most important possessions.

You're not like most people. And we're not like most brokers.

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 6 28/02/2012 14:13:56

A better way to insure the things that matter to you.

R A Rossborough (IOM) LimitedNew WingVictory HouseIsle of ManIM1 1 EQ

www.rossborough.co.uk

Regulated with the Insurance and Pensions Authority in respect of General Business

R A Rossborough (Guernsey) LimitedPO Box 127Rossborough HouseBulwer AvenueSt SampsonsGuernseyGY1 3HG

www.rossborough.co.uk

R A Rossborough (Insurance Brokers) LimitedPO Box 2841 La Motte StreetSt HelierJerseyJE4 8NS

www.rossborough.co.uk

R A Rossborough (Guernsey) Limited is licensed by Guernsey Financial Services Commission

Regulated by the Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998

HNW NEW Claims page revisi Rossborough-cs4 copy.pdf 1 28/02/2012 14:13:47