Standard personal insurance is perfect if you own a standard home. It’s full of pitfalls if you own anything slightly out-of-the-ordinary.
The Centor Difference Personal insurance as it should be – fairer, faster and stress-free
Standard personal insurance is based on
we assign you a dedicated and experienced account manager
‘one-size-fits-all’ policies peppered with small
so a friendly face – who knows you inside-out – champions your interests,
print limiting the sums and claims insurers
ensures you obtain best value and removes the stress from your shoulders.
will pay. If you own a higher-value home or car you could find – usually when you’re making a claim – that you’re not fully covered.
we take the time at the outset to understand you and your assets
so we can help minimise the risks you face, without compromising your lifestyle. we create an individual plan for you that fully protects your assets
Centor’s Private Clients has over fifty years’
so you pay for the insurance you need, and not for the insurance you don’t.
solid experience of providing tailored policies for those who have a little more to protect –
we provide a specialist in-house claims service
individuals, company schemes and family offices.
so you have the support of an expert overseeing your claim from start to finish.
Good insurance is about far more than simply finding the cheapest policy. Our expertise in securing the right cover at the right price, and
we work only with insurers who meet our exacting standards
so you have the benefit of market-leading cover, an outstanding claim service and financial security.
providing exceptional service, is borne out
we aim to simplify things by merging your insurances into a single portfolio
by our clients’ loyalty and the growth of our
so you have one premium, one renewal date and none of those infuriating grey
business through personal recommendation.
areas between policies.
We want you to feel confident that your family, your home and your most treasured possessions are fully protected.
The Centor Difference You feel comfortable that what should be insured, is insured – correctly We begin by visiting you at your home or office, often with an appraiser from the insurer. We are committed to providing thoughtful individual advice based on personal knowledge of your specific situation. We want to understand from the start the risks you face and agree accurate replacement costs for your home, cars and belongings. By doing this …
we can help you minimise the risks
– from
fire to theft. This can reduce your premium. we can match your cover exactly to your requirements.
So you can replace what’s
covered on a like-for-like basis. And you pay only for what you really need. we can all agree precisely what is insured and for how much.
Effectively this settles
any claim before it happens – eliminating the need for haggling after the event and making the claim process faster, fairer and smoother.
We insist on outstanding cover with fewer limitations and flexible upper limits.
The Centor Difference You are free to enjoy your possessions confident that you are covered adequately worldwide
for most homes
We can offer unlimited warranty-free cover for your main home, including outbuildings and gardens, and insure second homes (UK and abroad) on the same basic terms. In addition, we include cover for trace and access, home emergency, legal protection and, in many cases, cybercrime. for your belongings
We can offer worldwide all-risks cover including accidental damage – even when you’re travelling – with almost no restrictive conditions. Plus new for old – even for clothes. for your jewellery, fine art, antiques, watches, handbags, wine and guns
We can offer cutting-edge specialist cover, including: higher sums insured, agreed value, pairs & sets, compensation for loss in value and helpful newlyacquired items cover. for your cars
– modern, high performance or classic
We can offer exceptional benefits, including: comprehensive cover for driving other cars, ‘any driver’ cover, agreed value, your choice of repairer, comparable courtesy car, unlimited foreign trips and European breakdown cover – a truly comprehensive all-risks policy. for your yachts
We can offer our exclusive ‘Yacht by Design’ scheme, which provides flexible all-risks protection for crew and craft.
Our specialist in-house claims team has one aim, to ensure that your claim is paid quickly and fairly in the way you want.
The Centor Difference You are in control because your wishes are respected We aim to restore things as they were before the claim, speedily and without fuss, ensuring: you are paid what is fair
to put things right – not a penny less. you are able to choose
Cash or replacement/repair. Your nominated supplier for replacement. Your craftsmen or garage for repair. you are dealt with sympathetically
and with expert support – however complex your claim.
OUR AIM IS ALWAYS TO GIVE YOU BEST ADVICE TO SECURE BEST VALUE.
A WINNING COMBINATION
BACKGROUND
WHAT WE DID
One of our commercial clients asked us to
We carefully reviewed his needs and the sums
review his personal insurance. He held five
insured and quickly concluded that he would
entirely separate policies covering his home,
be far better off if he cancelled the five policies
his contents. his car, his wife’s car and the
and, instead, took out one combined policy.
contents of a family member’s home.
THE OUTCOME
THE PROBLEM
We secured a significantly lower premium of
He was paying a total annual premium of
£7,869 for the same cover – saving £5,037.
£12,906, which we felt was too high. As the
One combined policy means only one renewal
buildings and contents policies were separate
date and none of those little grey areas between
he would also have to pay two excess fees in
policies where no-one accepts responsibility.
the event of a combined buildings and contents
Combining buildings and contents means he
claim. In addition, each of the five policies
will only pay one excess for a home and contents
had a different renewal date, which was both
claim. And he now has a single, knowledgeable
confusing and inconvenient.
account manager overseeing all his policies.
THE INSURERS WE DEAL WITH MOSTLY GET THINGS RIGHT. OCCASIONALLY, THEY DON’T. THAT’S WHEN WE STEP IN TO ENSURE YOU OBTAIN THE RESULT YOU DESERVE.
A WINNING ADVOCATE
BACKGROUND
WHAT WE DID
A client’s Rolex was stolen while he was on
We convinced the insurer that as they had
holiday.
committed to replacing the watch, it would be
THE PROBLEM
unfair to now ask the client for a contribution.
The watch was insured for £15,800, which
THE OUTCOME
was significantly below its replacement cost of
The insurer not only accepted our point
£21,000. Unfortunately, the client had relied
but, as a gesture of goodwill – in addition to
on an old valuation and underestimated its
paying the full cost of replacing the watch –
worth. Happily, after a discussion with us, the
waived the £500 excess. We also put the client
insurer recognised it was a genuine mistake
in touch with a reliable valuer to review the
and agreed to replace the watch through a
sums insured for his valuables. It all goes
leading jeweller we recommended. However,
to show just how useful it is to have a broker
it then transpired that the stolen watch had a
who understands the valuables marketplace
special face, which cost an additional £3,000.
and can negotiate with insurers on your behalf!
Centor Private Clients
t +44 (0)20 7256 7300
Centor Insurance & Risk Management Ltd,
f +44 (0)20 7256 9455
17 Dominion Street,
e privateclient@centor.co.uk
London EC2M 2EF
w centor.co.uk
Centor Insurance & Risk Management Ltd is authorised and regulated by the Financial Conduct Authority.