Palladium - Non Standard Construction Insurance
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Palladium - Non Standard Construction Insurance
Company Profile-Palladium Insurance Marketing Services were formed in September 1999 in order to create and market a new High Net Worth Household Policy. The Insurers for the Building and Contents sections of the policy are Evergreen Underwriting Services Lloyd's syndicate 318. The Home Assistance and Legal Expenses sections are underwritten by DAS Insurance Company Ltd and the Annual Travel section is underwritten by Agency Underwriting in the Lloyd's market. The Palladium policy provides excellent cover and in addition to the main residence we can cover a second/holiday home. Annual travel is available as an optional extra for clients up to the age of 65.Non – Standard Household Insurance There are a number of risks that the standard policies on the CETA quotations system will not cover. To ensure that our members have access to products that will cover even the most difficult risks, we have put in place a number of providers, who between them can cover virtually any non-standard household risk. Although premiums are high because the insurance risk is much greater, the renewal retention rates are very good. High premiums equal higher retention level of commission. Quotation request forms are on the CETA quotation system. Fax them to our household department for a quotation. The sort of risks that come under the headings of non-standard are: Underpinned properties, subsidence, flood areas, unusual construction, thatched properties, high value properties, clients with criminal convictions, unusual occupations, professional sports persons and poor claim records. Products, Minimum Requirements. Buildings only £200,000, Contents only (exc. jewellery, watches and furs) £75,000, Combined buildings and contents £250,000.( Provided a risk meets with one of the above criteria a quotation will be considered Minimum policy premium of £350 including IPT or £450 including IPT if annual travel is required).Cover BUILDINGS - Accidental damage, CONTENTS - Worldwide accidental damage on general contents, fine art, antiques and valuables. General -Buildings of any age or construction will be considered Single article limit for fine art and antiques £15,000,Single article limit for valuables £5,000,,Discounts - Combined Buildings and Contents’ Valuables kept permanently in a safe. Voluntary Excess
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