Luxury home insurance and prestige car insurance for Australians with more to look after. Quoted in minutes, placed with the insurers who write homes like yours, and a broker you can actually reach.
A luxury home, with the prestige cars, the art and the cellar that come with it, is several policies in one. Here is what each section is for, in the situation it was written for, so you know what you’re buying before anyone quotes it.
Rebuilt to the same standard, with the same materials and trades, not to a figure somebody guessed three years ago. Higher-value wordings typically allow for the rebuild running past the sum insured.
Art, antiques and collections on an agreed value, so a rise in the market isn’t a shortfall at claim time. New pieces are usually covered automatically for a period while the schedule catches up.
A car that’s rarely driven and rarely replaced is insured for what it’s worth, not what a valuation guide says. Prestige wordings typically let you choose the repairer and cover the car in transit.
Cellars are lost to leaks, heat and breakage far more often than theft. A wine section insures the collection at replacement cost, bottle by bottle, on a schedule you keep current.
Specified pieces are covered anywhere in the world, for loss as well as theft: the ring that slips off, the watch left in a hotel safe. Valuations set the figure; the schedule lists the pieces.
If a guest is injured on the property, or someone in the household is held responsible for injury or damage elsewhere, this is the section that responds: the legal costs and the amount awarded, up to the policy limit.
What each section responds to depends on the wording you buy. The product disclosure statement says exactly; we’ll point you to the right page.
A quote for a home or a car like yours usually means a form, a call-back and a week. Here it’s one sitting, and the price is on the screen when you finish.
The house, what it’s built of, what’s in it. The cars, from the rego plate. Public records fill in what they can, so you’re confirming rather than typing.
Above a certain sum, or a certain car, the market thins out fast. Your answers go to every insurer on the panel that can write it, and you see who can and who can’t before you’ve given anyone your number.
Every figure that makes up the premium, on screen before you pay: the house, the cars, the art and the cellar each on their own line, at agreed value.
Your broker places the cover the same day, and the certificate and tax invoice land in your inbox.
You tell us what happened. We lodge the claim with the insurer, with everything they need, and the insurer takes it from there: the assessor, the repairer, the settlement. If it stalls or goes wrong, that’s what we’re for.
Built by people who cared about the details. Insured the same way.
A direct insurer sells you its product. A broker finds the insurer for what you own. At this level the difference shows up in the wording, at renewal, and on the day you claim.
One sitting, and a price on the screen where there is one. No call-back required.