Case Study: Streamlining cover for a complex lifestyle

Simplifying the complex: A Private Client success story

We appreciate that Private Client insurance is rarely straightforward. It’s about understanding the full picture and delivering a solution that both simplifies and protects assets. This case study highlights how our team supported a client in consolidating multiple policies into a single arrangement.

The Challenge

A successful entrepreneur was introduced to Howden through a network connection and referred to one of our specialists – Jonny Davies.  The initial request was to insure a Porsche 911, but as Jonny explored the client’s broader needs, it became clear that his insurance arrangements were fragmented and in need of a review. His portfolio included:

• A vehicle collection (six cars and four motorbikes) worth approximately £675,000
• A UK residence with a rebuild value of £1.8 million
• Contents and valuables worth approximately £500,000

Each asset was insured separately with different providers and renewal dates. This setup made it harder for the client to keep track of their cover, and it introduced the risk of gaps in cover.

Further complexities included:

• Vehicles stored at a business address
• One car heavily modified for track day use

The Solution

We worked closely with the client to understand their full risk profile and sourced a comprehensive solution through Chubb. This allowed us to:

• Consolidate all policies under one provider
• Align renewal dates for ease of management
• Secure competitive premiums despite the complexity

Our team also navigated underwriting challenges around the modified vehicle and business address storage, ensuring all assets were correctly covered.

The Outcome

The client now has a streamlined, robust insurance portfolio tailored to his lifestyle. He was particularly pleased with the clear and efficient approach taken by Jonny and has since invited us to quote on the commercial side of his business when it comes up for renewal.

Key take-away

This case demonstrates our ability to turn a single-vehicle enquiry into a full Private Client solution. Whether it’s consolidating policies, managing specialist risks, or navigating complex underwriting, our team is here to deliver expert guidance and exceptional service.