Anne Young

Account Executive


Everyone seems to want to offer you  Home and Contents insurance, ranging from financial institutions such as banks and building societies, the local post office and even supermarket chains. But how do you really know if your insurance coverage is adequate?  Do you feel comfortable that the local post office operator or supermarket staff are up to date with the policy benefits and exclusions?


Your insurance broker has to maintain their training year after year in order to ensure they are properly authorised to advise you. They do not just consider one product from one insurer but a variety of products from many insurers.


There are generally 2 types of Home & Contents insurance products available.


Defined Events

As the name implies, a range of events are covered under this type of House and Contents insurance product such as :

  • Fire
  • Theft
  • Storm damage
  • Flood
  • Impact
  • Legal Liability
  • Earthquake
  • Explosion
  • Riots
  • Escaping water


For those customers who need a little more from their insurance product, a broader Accidental Damage & Loss House and Contents insurance cover is available in the market .

Accidental Damage & Loss

The cover is broader in the sense that your Buildings are insured up to your sum insured for damage caused accidently. Contents are covered against accidental loss or damage, at or away from your home.


A variety of higher benefits are available under these type of policy.


Prestige Homes

A number of insurers offer specific Home and Contents insurance policies specifically tailored to protect prestigious homes and precious possessions. Such policies may include a free appraisal of your property to determine your home’s replacement cost.


Such policies provided broader benefits to allow for more expensive works of art, wine collections, Jewellery and other personal possessions, Business property , worldwide liability coverage as well as Identity fraud and Tax audit expenses.

Can you help me with a claim?

If you are unfortunate and have a claim, this is the time you need us the most.
Call or email our office with details of your claim. In most cases, you will be required to complete a claim form and provide details to substantiate your claim in order for the insurer to assess your claim.
Under the General Insurance Code of Practice, the insurer promises to respond to your claim within 10 business days and tell you whether they will accept or deny your claim based on the information you have provided.
If your claim is accepted by the insurer, we will help co-ordinate the claim until it is finalised.
If the insurer declines your claim, we will review their decision and give you advice.



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