Case Study: Urgent cover secured for high-value homeowner with a complex history

From declined claims to peace of mind – a Private Client success story

When a client faced multiple challenges securing insurance for their high-value property, Mike Bass, one of Howden’s experienced Private Client specialists, stepped in to deliver a solution -fast.

Challenge

The client owned a detached home with a £1.2 million rebuild cost, plus £200,000 of contents and additional high-value jewellery and watches. However, their situation was far from straightforward:

• Their previous insurer had cancelled the policy.
• They had three CCJs on record.
• A £150,000 fire claim had been declined by their previous insurer when the CCJs came to light.

These factors made finding cover extremely difficult, leaving the client exposed and under pressure.

Solution

Mike Bass leveraged his expertise in high value properties and complex risk profiles to source a comprehensive solution. Within 24 hours, he secured a policy that met the client’s needs, ensuring full protection for the property and valuables.

Outcome

The client regained peace of mind with tailored cover in place - despite significant obstacles. Mike’s swift action and market knowledge turned a high-risk scenario into a success story.

Key Takeaway

Even with cancelled policies, declined claims, and adverse credit histories, bespoke solutions are possible. With the right expertise and market access, Howden can secure comprehensive cover quickly - even for the most complex cases.