HIGH VALUE HOME INSURANCE

We specialise in tailor made policies for people living in High Value properties with collections of Fine Art, Precious Metals, Jewellery and other collectables. Established in the early 1950s, M & N Insurance Service Limited has always provided a high level of personal service to its many clients.

We are there to guide, help and advise you in structuring your policy in a way that will keep your premium competitive without sacrificing cover. Our help continues throughout the lifetime of the policy assisting you with any adjustments or claims.

Jewellery Insurance Claims

We have access to a panel of “High Net Worth” home insurers who pride themselves on award winning claims service with an average claim settlement of 48 hours to a week in most cases. On the rare occasion when a visit to your home is necessary, claims handlers often carry cheque books and are able to pay up to £25,000 on the spot. You have the choice of replacement or full cash settlement on all claims.

 




NO SMALL PRINT TO TRIP YOU UP

All our policies are warranty free. This means that cover is exceptionally wide and there are no restrictive conditions and no hidden small print. If you forget to lock your windows, close your doors or set your alarm, full cover will remain in place.

 

AGREED VALUE

The value you give us for a specified item is the amount you will receive in the event of a claim with no quibbles, arguments or deductions. Agreed values can also be applied to your motor insurance.

APPRAISALS

Identifying your sums insured can be a very daunting task and, if required, we are happy to meet you in your home in order to gain a better understanding of your risk. In addition to this, insurers often send their own appraisers who will assist in ascertaining your sums insured. In most cases, the appraisers have a wealth of knowledge in fine arts and collectables and will offer their expertise without any charge.

 

• Award winning claims service
• Option for cash settlement on all claims
• No hidden conditions or small print
• ‘Worldwide all risks’ as standard
• No proposal or claim forms
• Free Appraisals
• ‘New for Old’ as standard, even on clothing
• Interest free direct debit facility with some insurers
• Legal Expenses as standard
• High Value Motor Insurance
• Overseas properties covered