Insurance

[giw12]

Evening All

Did a search but to no avail...

My house insurance has come round for renewal and I currently specify a couple of Breitlings plus engagement ring as individual items. It got me wondering whether or not it's a good idea to have a separate specialist policy just for the valuables.

The watches aren't hugely valuable and even the engagement ring is probably worth no more than £4.5k.

Would anyone advise going for a specialist insurer or would you just add them to the home and contents insurance?

Many thanks

[ascayman]

you need a high/mid net worth policy that provides greater cover for valuables without any warrenties.

speak to hiscox, chubb, sterling and Zurich private clients.

[m4tt]

Aon are also worth mentioning for HNW specialist insurance.

[bigmanteebs]

Mine are covered under the general household policy with each item named individually. Worked in my favour last year when i got paid out £1200 on a stolen Speedmaster. I only pay £16 a month too. There is a £5k individual item limit though.