Private Clients
It Was Never Just A House
It is where your children measured their height against the doorframe.
Your watch was never just a watch. Your insurers policy schedule usually calls it “House Contents”.
Personal insurance is very personal, yet most of it is sold like airtime.
We are about what things mean to you, not just what they cost. Which requires knowing you. And real care. Risk first, insurance second. At home too.
Assets|Accident|Liability|Travel|Cyber
You Are Exclusive
Boutique insurance.Not commodity insurance.
We give you what you need, not necessarily what you want. It is a blunt statement, but it sets the course clearly and honestly.
Chadwicks is not for everyone. We work best with discerning clients who want a specialist who understands risk and insurance better than they do and who rely on that expertise to make well informed decisions.
If you are looking for someone to follow instructions, get cheap quotes and ignore your claims history, we are probably not a good fit.
If you want a brokerage that knows more about insurance than you do and who uses that judgement to help you structure your cover properly, you will feel right at home here.
Cut Risk. Not Corners.™
Assets
Building
It is essential to understand what your insurance policy defines a building as. Usually, it is the actual structure with all fixtures and fitting and other named structures like driveways, gates, fences etc. Check your policy to ensure your building falls within the ambit of cover provided by your policy.
Read moreMain Coverable Events
- Storm
- Fire
House Contents
Essentially, the assets that remain, should you be able to turn your building upside down, are the House Contents. The main insured events covered under House Contents are Fire, Storm and Theft. Always check you have read the policy exclusions. An example of a risk that is excluded is “Wear and Tear” or any gradually operating cause.
Read moreMain Coverable Events
- Storm
- Fire
- Theft
All Risks
An All Risks insurance policy is essentially cover for all loss or damage to specified property, subject to the listed policy exceptions. Some typical exclusions are wear and tear, mechanical or electrical breakdown, inherent vice and theft from unattended vehicles. Be sure to read your policy to ensure you are aware of all the exclusions.
Read moreMain Coverable Events
- Storm
- Fire
- Theft
- Accidental Damage
Motor
The three types of cover offered by motor insurers are Comprehensive, Balance of Third Party, Fire and Theft and Third Party only. Comprehensive is the widest cover, basically covering accident to the car, theft and liability to third parties arising out of the use of the car.
Read moreMain Coverable Events
- Storm
- Fire
- Theft
- Accidental Damage
- Liability
Pleasure Craft
Watercraft come with their own unique set of risks and yet are similar to a motor car when it comes to insurance, in that the policies will usually differentiate between the accident damage to the pleasure craft, passenger liability and liability caused to third parties out of the use of the boat, like pulling a water skier, for example. Just think what can go wrong.
Read moreMain Coverable Events
- Storm
- Fire
- Theft
- Accidental Damage
- Liability
Liability
Personal Liability
A common mistake made by some people is to only concentrate on the insurance of their own assets (sometimes called first party insurance). While securing comprehensive insurance cover on your assets is key, transferring the insurable risk exposure you have as a natural person to third parties is critically important.
Read moreMain Coverable Events
- Civil Legal Liability arising from accidental damage to Third Party Property or death/injury to Persons
Accident to Persons & Property
Travel Insurance
Travel insurance is available for local and international travel. The cover provided usually includes flight or trip cancellation, liability, lost baggage, emergency medical expenses etc. Personal Accident essentially covers death and permanent disability to natural persons arising from an accident.
Read moreMain Coverable Events
- Personal Accident
- Medical Emergencies
- Liability
Personal Accident Insurance
Personal short term insurance policies are able to cover eventualities like death and permanent disability, following accident to insured named persons. This is facilitated by selecting a sum insured for the insured eventuality, on a named person basis.
Read moreMain Coverable Events
- Accident
Specialty Private Clients
High Net Worth
Our select high net worth policies are designed for clients with a higher than average asset sums insured. Higher than average sums insured also means cover and service that should be higher than average and it certainly is. For example, Accidental Damage asset cover usually comes as standard (often referred to as All Risks Asset cover), resulting in wider coverage and a policy with less restrictions.
Read moreMain Coverable Events
- Same Events as Personal Insurance except on a wider cover level
