Household Insurance and Private Clients

Ignite Insurance Brokers are more than just a commercial insurance broker, we also accommodate private clients.

Whether that be household, travel insurance or classic cars, we have sourced a network of insurers to offer excellent cover and rates for you.

We are able to manage the needs of all clients including high-net worth, ultra-high net worth and high profile personalities and have no upper limits on values.

Our Household Insurance policies can be built to your needs with optional extensions such as Accidental Damage and Worldwide cover for your Jewellery, Watches and Collections.

In the event of a claim, you can rest assured that a loss adjuster will be appointed in the quickest of time to keep your claim running efficiently and smoothly.

Being an independent broker lets us access a wide market of insurers and to be able to design insurance programmes tailored to your needs.

Frequently Asked Questions

What is a Re-Building Sum Insured?

This is the cost to re-build your House, it is important to note that it isn’t the sale price. Once you have purchased a property, if it falls to the ground, you already own the land it sits on so the cost to -rebuild is usually less than the sale price but does need to include demolition costs and architects fees when re-building.

How do I work out the Re-building sum insured?

We recommend that in order to get an accurate figure you speak with the Royal Institute of Chartered Surveyors or RICS for short to carry out a Survey, failing that you can get a rough figure from the Association of British Insurers (ABI) and BICS for Residential Properties using their online calculator over at: https://abi.bcis.co.uk/

How much Contents should I insure for?

There is not a specific answer to this, you need to insure for what it would cost you to replace the entire contents in your home should the worst ever happen. Sometimes the best way to do this is walk round your house with paper and clipboard and write all of the items and values down from each room and total it at the end. Contents covers everything that can be moved from a room (Including Carpets) but not fixed items such as kitchen units and bath tubs.

What is Accidental Damage cover?

This covers your contents against accidental damage, the best example is spilling a glass of wine on your carpet!

Can I insure my Fine Art / High Value Collections away from our main Household Insurance?

Yes indeed and we are one of the few insurance brokers that can do this. We have specialist policies that will cover all sorts of collections such as Fine Art, Antiques, Books and Watch collections. Discounts are also given for items kept in Safety Deposit Boxes (Whilst still giving a Contingency cover just in case). The policy is flexible too letting you add/deduct items throughout the course of the year.