We are here to help you get the best value from your insurance
0121 321 4600
Newsletter Signup
21st March 2018

Family fleet insurance

You may think that as a family you would not qualify for fleet insurance; however, you may be surprised to learn that if you have two or more cars on your drive you are eligible for family fleet insurance.

Family_fleet_carsMost families today end up having more than two cars on the drive as older children learn to drive and are staying in the family home longer.

There are many multi-car policies offering a variety of insurance cover. However, if you own a high-performance car, classic car or luxury saloon car, you may need specialist car insurance not available through the usual online insurers. You may also need motorcycle and horsebox insurance.

If one of the cars you own is worth around £30,000 or more, you could benefit from our family fleet insurance by including other members of your family under one policy.

There are huge benefits to be gained if you can combine all family members on one insurance policy:
  • Insurers offer a discount (could be up to 20%)
  • One renewal date and premium
  • One set of forms to complete
  • Individual’s no claims discount maintained
  • Individual flexible cover, eg. fully comprehensive or 3rd party mix
  • Cover for driving in Europe
  • Fast track claims service
  • Ability to create your own bespoke cover
  • No obligation pre-cover surveys
With this cover, you have all the advantages associated with high net worth insurance for private clients such as a courtesy car to match your own, legal advice and fast claims settlement through our dedicated claims managers.

You can also insure your home, overseas travel and pets all under one straightforward plan.

To find out how much you could save on your family’s car and home insurance, call CLA Risk Solutions, your local insurance brokers Sutton Coldfield, for a free quote. 0121 321 4600.
 
 
 
24th August 2017

Prestige cars seen in London

Prestige_car_insuranceThere are more billionaires in London than in any other city in the world. It is therefore not surprising that expensive supercars can be regularly seen on the capital’s streets.

London must be one of the most difficult cities to negotiate in any car, let alone a low slung super car trying to manoeuvre through narrow streets and road furniture. You are going to need specialist insurance to ensure you are fully covered for every eventuality.

You don’t have to be one of the world’s super-rich to own an expensive car these days, though anything over £100,000 is still going to place you in an exclusive section of the population. Prestige cars need prestige car insurance to ensure they are fully covered for a variety of insured risks.

Specialist car insurance will provide additional services over regular car insurance. For example:
  • Personal attention from expert claims handlers
  • Premium courtesy cars
  • Access to specialist repairers
Add high net worth insurance
Along with your luxury high value car or cars you will probably have an expensive home, outbuildings, jewellery and other possessions that need to be insured. It is often more cost effective to include all of these items under one insurance policy.

High net worth insurance will often include a multitude of other benefits such as travel insurance, holiday homes cover for property in the UK and abroad, antiques and collections, items stored outdoors and your children’s possessions whilst away at university.

Other benefits include a valuation service, security advice and access to approved repairers for cars, jewellery and antiques.

With so much to discuss and proper valuations to be arranged, you will need to talk to an expert who can find the most suitable cover for all your possessions.

Insurance brokers like CLA have a team of dedicated account managers to guide you through the maze of insured risks to ensure you are always protected.

 
7th February 2017

High net worth insurance

Insurance for private clients with unique requirements and higher value items to protect will benefit from high net worth insurance.

High value homes and contents, including specific items of jewellery, art collections and furniture, will be covered for their full replacement value and your insurance policy can be tailored to your exact requirements.

High net worth insurance can also cover all of your other possessions, including cars, yachts and motorboats.

Insurance for high value motor vehicles
Private clients are more likely to have cars valued at over £100,000, either on the road or in storage. Vehicles valued at these sort of figures need specialist insurance cover to provide adequate protection for cars, drivers and personal belongings.

Additional services may also be required such as a dedicated claims handler to discuss repair options, availability of premium courtesy cars and legal expenses cover.

Other features include insurance for personal number plates, unlimited European use, fully comprehensive cover when driving other cars and business use as standard.

Cover can also be extended to track days to provide accidental damage and liability insurance, if required.

Yacht-High-Net-Worth-InsuranceYacht and motorboat insurance
Flexible and enhanced insurance for a broad range of vessels can be provided for private clients and includes a wider scope of cover and higher limits.

To ensure the most effective insurance policy is available to meet the needs of the modern boating community, we can offer the following:
  • Underwriting decisions made on a boat-by-boat basis.
  • Awarding customers the ability to choose more comprehensive racing cover where they need it, on top of standard liability cover.
  • Protecting customers who use their tender or dinghy away from their main vessel.
  • Removing excess to pay where deemed not at fault and third party details are available.
  • Rescue and repatriation regardless of liability for the customer or their guests for up to £50,000.
CLA (Risk Solutions) can discuss your individual insurance requirements and provide accurate valuations to ensure you are fully covered, whatever your lifestyle.

 
High net worth insurance provides premier insurance cover for all of your possessions, members of your family and can also provide cover when any of you travel abroad.

We understand that as a high net worth household you will need an insurance policy with the ability not only to protect your individual requirements, but also gives you a whole raft of additional services:
  • Valuation service
  • Security advice
  • GP helpline
  • Home sitting service
  • Jewellery repair and replacement service
  • Specialist vehicle repairers
  • Premium courtesy cars
  • Vehicle breakdown and recovery
  • Personal injury physiotherapy cover
  • Travel advice
Antique-vaseCLA are an experienced high net worth insurance brokers with the ability to tailor exactly the right amount of cover for your needs. This can include items you take with you when you travel abroad, possessions belonging to grandparents while they are in a nursing home and items belonging to your children while studying away from home.

High value home insurance
Valuation of high value properties should be undertaken by specialists to ensure adequate cover is maintained for the full re-building cost based on age and status of your home. We can arrange for experienced valuers to assess your property so that any claims can be handled quickly and for the exact amount they are worth.

High value contents insurance
Antiques, collectibles or the latest gadgets can all be individually valued for the right amount to ensure you are fully covered. As your broker, we can arrange independent valuations for all of your possessions including works of art and jewellery.

We can even arrange for details of specific items of jewellery to be recorded so that repairs or a replica can be made to replace the lost or damaged item.

Quality_carsVehicle insurance
High value cars require a higher level of support than a standard motor insurance policy can provide. Should you find yourself off the road for any reason, you want to be confident that you will receive the full replacement value of your car or be able to arrange for specialist repairs to be undertaken. You would also expect a similar premium level of courtesy car while yours is off the road.

Travel insurance
Whether you are travelling for business or pleasure, you can add travel insurance to your home insurance cover. The policy will cover any member of your family and domestic staff. No need for separate policies, everyone will be covered under the one policy for the entire year.

Complete peace of mind
If you need additional cover for marine craft or any other specific items, call us to arrange a meeting with one of our Account Managers to discuss your individual requirements.