About Towergate InsuranceTowergate Insurance is one of the UK’s largest insuranceintermediaries. We have been servicing the insuranceneeds of our Private Clients for many years so are wellequipped to develop insurance solutions that suit yourunique requirements.Using an Insurance Broker to handle your insuranceprovides you with the one to one attention you requirewhen protecting your most valuable and preciousbelongings. We will take the stress out of arranging andadministering your insurance, leaving you free to carry on

without the worry of being under insured or alone to sortout a claim should the worst happen.

Our offer to you:• Insurance solutions for your individual needs and circumstances• A personal service from a dedicated Account Executive• Expertise from our Private Client team and the wider Towergate family where needed• Advice and support when you want it, how you want it

The Benefits of being a Private ClientAt Towergate Insurance, we provide you with thecover you really need to ensure life runs smoothly,even when the unfortunate happens.

Our Private Clients team and your personal advisor willprovide expert information and advice to help you makean informed decision when choosing the appropriatelevel of cover. They will review your personal circumstancesand be on hand to deal with day-to-day requests either byphone, email or face to face, if you prefer.

Our expertise and knowledge of the Private ClientInsurance market has already assisted clients withextensive country manors, large art collections, winecellars and high value jewellery. We appreciate thatyou may need worldwide insurance cover for itemsand our bespoke policy allows us to incorporate thiscover for you.

Where insurers wish to carry out a Risk Survey wewill advise you as to the purpose of the survey. In theevent the insurers request changes to the insurancecover or security arrangements we will guide youthrough this process and assist you with any queries orconcerns you have about the requested changes.

Protection for Listed PropertiesWe currently insure a large number of listed homes across the Country varying from small cottages, to manor houses and stately homes. Should you be the owner of a listed building you will appreciate the need to have a suitable and relevant insurance policy in force, in order to ensure your home and its features are adequately protected.Most insurance companies require owners to establish the value of their property. This is straightforward with normal properties as there is usually a valuation from a lender or readily available statistics to follow as a guide.Listed buildings however, are works of art and have been created using long since disappeared craft techniques or difficult to source replacement features or materials. By their very nature they are unique.The powers of the Local Conservation Officer are draconian when dealing with the reinstatement of a listed home. Therefore we look to arrange “Unlimited Replacement Cost” coverage wherever possible, meaning that in the event of an insured loss, your home would be repaired / reinstated (as dictated by the Conservation officer) even if the cost were to exceed your sum insured, which is an invaluable benefit.We have a range of insurers offering extended buildings cover to incorporate the unpredictable nature of rebuilding a listed property when compared with a standard building. This gives you the extra peace of mind which is so difficult to find on the standard insurance market.We also have contacts with specialist approved builders who can be used for all of your maintenance requirements.

Private Client Household InsurancePrivate Client household insurance is recommended if thecost to re-build your property is above £250,000 and ifyour contents are worth over £75,000.

Generally household insurance policies have inner limitson the sums insured in regards to valuable items, antiquesetc. If you have items that may be considered as highvalue then they may not be fully insured under a standardinsurance policy.

So typically, a Private Client will:• Own a house with a rebuild value in excess of £250,000 +or• Have house contents exceeding £75,000• Own collectable, unique and priceless items e.g. a collection of Fine Arts or Antiques

The larger the building sum insured, the more complicateda claim can be in regards to reinstating a propertyfollowing a fire or other incident. Where the propertyis listed there will be more people to consult in regardsto protecting the original materials and character of theproperty thus complicating matters further.

We will make sure that you have the cover you need andprovide you with a dedicated one to one service.*

*subject to policy terms& conditions, whilst meeting acceptable underwriting criteria.

More Bespoke Products for Private ClientsTowergate Insurance can also arrange any of the followingInsurance types to complement your Private ClientHousehold Insurance.

High Value Motor Insurance*Key features that your cover could include:• Agreed value for vehicles within your portfolio• The vehicle repairer of your choice• Like for like courtesy vehicle in the event of an insured incident• Comprehensive driving-other-vehicles for all named drivers• Comprehensive cover for unnamed drivers over the age of 30• Share a common renewal date with your household insurance for a hassle free process

*subject to policy terms & conditions, whilst meeting acceptable underwriting criteria’

Enhanced Travel Insurance*Key features that your cover could include:• Holiday disruption cover - this maybe subject to exclusions or pre-existing medical conditions• Emergency physio and dental expenses• Golf equipment cover - subject to equipment limits• Ski and winter sports cover• A higher than average age limit of 79• Greater underwriting flexibility for your personal needs• Up to 90 days cover per excursion

Marine/Pleasure Craft Insurance*

Key features that your cover could include:

• £3 million liability limit• Optional waterskiing and towing of toys• Extensive cruising ranges - subject to territorial limits• Automatic transit cover for craft up to 30ft• Underwritten by leading UK insurers• Up to 5 years No Claims Discount (25%)

This is just an overview of the insurance cover thatTowergate Insurance can offer you. We are happy todiscuss your requirements with you in detail.More Bespoke Products for Private Clients

*subject to policy terms & conditions, whilst meeting acceptable underwriting criteria’

Access to the Markets that CountBeing a broker, Towergate Insurance can negotiate with our panel of selected insurers to find the cover and product thatsuits your individual needs.

Our panel of insurers and products includes:

Towergate Insurance is a trading name of Towergate Underwriting Group Limited.Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3ENRegistered in England No. 4043759. Authorised and regulated by the Financial Conduct AuthorityV1.0/MN/DPCB/22.04.14

www.towergate.co.uk