Zurich Private Clients

Zurich Private Clients Home Insurance

Zurich Private Clients. Cover has been designed to provide the discerning property owner complete peace of mind and a level of protection that is second to none.

Zurich Private Clients

View & Download Zurich Private Clients Key Features

Zurich Private Clients aims to provide a portfolio of products for the high net worth individual and their families. We continually strive to improve the products and service that we provide to our clients with a choice of products, which compliments their lifestyles.

Buildings

Our Home cover has been designed to give you, the discerning property owner, complete peace of mind and a level of protection that is second to none.
We pride ourselves on offering first class cover for all aspects of your home. As you would expect, we provide comprehensive protection against the usual risks of fire, theft, flood, vandalism and subsidence as well as accidental damage around your home. In addition, this cover is supplemented by a series of extra policy benefits for your convenience.
We offer an assurance that our policies are written without any restrictive warranties, which are found in many of the standard policies offered by other insurers.
Highlighted below are just some of the cover aspects to a Zurich Private Clients Home policy.

Unlimited buildings replacement cover

Once the sum insured is agreed during your client visit, if your property is damaged, we will pay the full rebuilding costs required to return your home to it's former glory, even when this amount is greater than the sum insured. This is especially important on listed properties where features need to be replaced to English Heritage standards.

Additional homes

Zurich Private Clients also provides cover to additional properties such as weekend and holiday homes both in the UK and abroad. Appreciating that such homes can often be left unattended for long periods of time, we also offer practical advice to protect your property.

Alternative accommodation

If your family (including your pets) are forced to move out of your home while work is undertaken to repair any damage to your property, we will cover renting costs, which adequately reflect your lifestyle.

Trespass damage

If your land is subject to unlawful trespass, we will pay up to £5,000 towards the cost of restoring the land to it's pre-trespass condition including the removal of litter, repairing gates and fences and re-landscaping.

Garden damage

For many people, protecting their garden is just as important as insuring their home. Therefore, we will pay for re-landscaping work and the replacement of individual plants up to the policy limit if your garden is damaged.

Keys and locks

In the event of keys to household doors, safes and alarms being lost or stolen your policy covers the replacement of locks and keys. You can also benefit from our exclusive 'key club' service allowing finders of lost keys to return to you via a secure provider.

Tracing leaks

Tracing and accessing leaks of water or oil from broken pipes can be expensive and time consuming. We will take care of these problems and any subsequent restoration work.

Unfixed building materials

We will pay up to 5% of the buildings sum insured for newly acquired (and unfixed) building materials and supplies owned by you as long as these are kept within the grounds of your home for the use in construction, maintenance or alteration to your home.

Essential alteration

We will pay up to £7,500 for essential alterations to your home, if you or any family member becomes permanently disabled following illness or injury.

Contents Cover

We recognise that no two homes are the same, we offer a specially designed contents insurance policy to meet your individual needs. Extensive protection is provided for your property, covering almost every eventuality - from a mishap to a major crisis. Some of our the features of our Contents cover are outlined below.

Worldwide contents cover

You can take possessions overseas or buy new items; confident that they are automatically insured wherever you are in the world.

Valuables

An optional valuables extension provides protection for items such as jewellery and watches. Once cover has been agreed, you only need to specify single items valued at more than £5,000.

New acquisitions

When you make a new purchase, you will automatically be covered for up to 20% of the total sum insured, giving you assurance that an impulse purchase will be fully covered. Simply inform us within 60 days and arrange to pay and additional premium.

Cash and credit cards

There are few things more frustrating than realising your wallet or purse has been lost or stolen. We provide cover up to £5,000 if you lose cash and £25,000 for the unauthorised use of credit cards, including forgery and counterfeiting.

Working from home

Should you work from home, Zurich Private Clients will protect you against damage to business property, including computers, to a maximum of £15,000.

Lifestyle protection

Please refer to the key facts document for more information.

Golfing extension

Golfers can receive personal accident and third party damage cover up to £10,000 while out on the course. We will even stand a round of drinks up to £500 at the clubhouse bar if you get a hole in one during an official competition!

Students property

If your children are away at university, college or boarding school, their belongings will automatically be covered up to the policy limit, avoiding the need to separate insurance arrangements.

Domestic staff

The possessions of live-in staff are fully covered whilst in your home.

Art loss register

The art loss register has had considerable success in the recovery and return of stolen works of art. In the unfortunate event of a loss, we will enter details of items free of charge onto the register. You can find out more by visiting www.artloss.com.

More Information

To find out more about the Zurich Private Clients products you can download the Key Features document by clicking the link above.