Claims

Pre-loss:

You may have clients that are due for renewal, who could benefit from a review of cover for their home contents insurance.We can advise on the adequacy of their insurance for the coming year and on whether they have items which should be specified for all risks cover. Jewellery and other Luxury goods such as Works Of Art can be difficult to advise clients on.We have the expertise to provide a risk assessment service, from insurance advice to security and protection advice for valuable property.We can also advise on any improvements that could be made to your client’s general home security if requested.Clients receive a written record of our recommendations shortly after our visit.

Another service offered by HCC is a professional photographic record taking service – utilising high-resolution photography – for significant items of Jewellery, Works of Art, Antiques, Furniture etc. Having pre-loss photographs is one of the main proofs requested by insurance companies in support of a claim for a Break-In or similar loss of contents claim.

From time to time customers require their brokers to be present when faced with the insurance company’s loss assessor.We can also act as your representative if the scope of the claim is better suited to us and your client is agreeable for us to do this.

We are happy to provide advice on a general consultancy basis where high-value goods are concerned. Terms for this can be agreed depending on the service required.