Private Clients
Private clients insurance is designed to provide comprehensive insurance protection for individuals and families. Whether you own a modest home or a grand estate, we can tailor a policy to safeguard your assets and lifestyle.
Quick Summary
- What it covers: Private clients insurance provides individually structured cover for personal assets — home, motor, travel, and valuables — through specialist markets rather than standard personal lines
- One broker relationship: All personal insurance requirements can be consolidated under a single broker, with coordinated renewals and consistent advice across your entire personal lines programme
- New-for-old and agreed values: Specialist private client insurers provide new-for-old settlement on contents and agreed-value cover for high-value items, removing depreciation from the claims equation
- Extended coverage: Cover can include holiday homes, overseas property, family motor fleets, domestic employer liability, and personal liability in a single coordinated programme
- Who we help: Daines Kapp works with private individuals and families across the UK, from those with straightforward household needs to clients with complex multi-asset portfolios
Daines Kapp Insurance Brokers provides a comprehensive private client insurance service for individuals, families, and households whose insurance requirements go beyond what standard policies can adequately address. Whether you need specialist cover for a high-value home, a significant jewellery or art collection, prestige vehicles, or a combination of personal lines arranged under a single consolidated programme, our private client team has the expertise, insurer relationships, and market access to deliver the right solution.
With over 35 years of experience in specialist personal lines insurance, we work with a carefully selected panel of more than 15 specialist private client insurers — including Lloyd’s of London syndicates, Hiscox, and Chubb — to build programmes tailored to your lifestyle, asset profile, and risk requirements.
Our Private Client Insurance Services
Our private client offering covers the full range of personal lines insurance, from individual home and contents policies through to fully consolidated multi-asset programmes. The table below summarises the key areas we cover.
| Cover Type | What It Covers | Suited To |
|---|---|---|
| Home & Contents | Buildings reinstatement, new-for-old contents, valuables and jewellery on agreed values, accidental damage, worldwide all-risks, personal and employer’s liability | Homeowners with contents above £50,000, properties with unusual or high-value construction, or clients with significant jewellery, art, or collections |
| Mid to High Net Worth | Consolidated personal lines programme — home, contents, valuables, liability, motor, and travel — with specialist underwriting reflecting the full value of your assets | Clients with rebuild costs above £750,000, contents above £100,000, valuables above £25,000, or multiple properties requiring consolidated cover |
| Classic & Prestige Motor | Agreed value cover for classic, vintage, and prestige vehicles; limited mileage policies; storage cover; multi-vehicle fleet policies; no depreciation at claim time | Owners of classic or collector vehicles, prestige marques, or multiple vehicles requiring fleet-style private client cover with agreed values rather than market value settlement |
| Travel Insurance | Annual worldwide travel cover including medical expenses, cancellation, curtailment, baggage, winter sports, cruise cover, and business travel extensions | Frequent travellers, families with high-value portable possessions, those with pre-existing medical conditions, and anyone requiring higher limits than standard travel policies provide |
| GAP Insurance | Covers the difference between the insured value paid by your motor insurer and the original purchase price or outstanding finance balance if a vehicle is written off or stolen | New or nearly new vehicle owners with finance agreements where depreciation creates a gap between the motor insurer’s settlement and the amount owed to the lender |
| Personal Accident & Liability | Personal accident cover for accidental death or disability; personal liability up to £10 million; employer’s liability for domestic staff; legal expenses protection | Individuals with domestic staff, those with significant personal liability exposure, and clients seeking protection against accidental injury or disability affecting income and lifestyle |
Home & Contents Insurance
Our specialist home and contents insurance service arranges cover for private clients whose properties and possessions require more than standard household policies can offer. We arrange buildings cover on the basis of professional reinstatement valuations, contents on new-for-old terms, and individually specified valuables at agreed values supported by current professional appraisals. Cover is placed with specialist private client insurers including Hiscox, Chubb, and Lloyd’s syndicates.
Mid to High Net Worth Insurance
For clients whose assets exceed the thresholds that standard household policies are designed to cover — typically rebuild costs above £750,000, contents above £100,000, or valuables above £25,000 — our mid to high net worth insurance service provides a consolidated programme covering home, contents, valuables, motor, travel, and personal liability. This replaces a patchwork of separate policies with a single, coherent structure reviewed and managed by a dedicated account broker.
Why Choose Daines Kapp for Private Client Insurance
Daines Kapp has been a specialist personal lines and commercial insurance broker for over 35 years. Our private client team provides a genuinely personal service — reviewing your requirements annually, adjusting schedules as your asset base changes, and managing claims from first notification through to final settlement.
We work with a carefully selected panel of specialist private client insurers who understand high-value assets, provide agreed-value settlement without depreciation, and respond constructively when clients face significant claims. We do not place private client business with standard market insurers whose policy wordings and claims processes are designed for typical household risks.
Get a Private Client Insurance Quote
To discuss your private client insurance requirements or to arrange a review of your existing personal lines cover, contact our team today.
Frequently Asked Questions
What types of insurance are included in a private client programme?
A private client programme typically consolidates home buildings and contents, individually specified valuables and jewellery, fine art and collections, prestige or classic vehicles, annual travel cover, and personal liability — including employer’s liability for domestic staff — under a single policy structure with one renewal date and one broker. The breadth depends on the client’s asset profile; some clients require only a specialist home and contents arrangement, while others benefit from a comprehensive multi-asset programme. Daines Kapp advises on the appropriate scope and arranges each component with the most suitable specialist insurer.
How is private client insurance different from standard household insurance?
Standard household insurance is designed for typical UK homes with average contents values. It applies sub-limits to valuables, uses market-value settlement on older items rather than new-for-old replacement, calculates rebuild costs using generic construction indices, and caps liability at £1–2 million. Private client insurance provides individually agreed cover values, new-for-old settlement across all contents, valuables scheduled at professionally appraised replacement costs, and liability limits up to £10 million — all placed with specialist underwriters who understand high-value risks and respond differently when claims arise.
Can I insure classic and prestige vehicles alongside my home under the same programme?
Yes. A private client programme can incorporate agreed-value cover for classic, vintage, and prestige vehicles alongside home, contents, and valuables. Agreed value motor cover ensures the vehicle is insured at a fixed sum agreed at inception rather than market value — meaning no dispute over depreciation at claim time. Multi-vehicle arrangements are available for clients with fleets of prestige or collector cars, and storage cover can be included for vehicles kept off the road during winter months. Combining motor within a single private client programme simplifies renewals and can deliver better aggregate terms.
Do I need separate travel insurance as a private client?
Specialist annual travel insurance for private clients provides higher cover limits than standard policies — typically £10 million or more in medical expenses, significantly higher baggage limits (often £10,000+), and automatic cover for high-value portable possessions carried during travel. Standard travel policies apply single-item limits of £300–£500 on valuables, which is wholly inadequate for clients travelling with quality watches or jewellery. Annual worldwide travel cover can be integrated within a consolidated private client programme or arranged as a standalone policy, and is available for clients with pre-existing medical conditions.
How does Daines Kapp manage claims for private client policies?
Our private client team manages claims from first notification through to final settlement, acting as your advocate throughout the process. For straightforward claims, we liaise directly with the insurer’s claims team to ensure prompt settlement. For complex or high-value claims — such as major property losses, disputed valuations, or theft of significant jewellery or art — we work directly with loss adjusters and, where appropriate, engage specialist forensic or valuation experts to support your position. Our role is to ensure the insurer meets their obligations under the policy and that you receive the full settlement to which you are entitled.
