Case Study: When the Unexpected Happens, Expertise Matters

Navigating an insurance change

When a long-standing homeowner received an unexpected notice that their insurer would no longer cover four-storey properties, it triggered more than just a search for a new policy—it raised concerns about trust, continuity, and the protection of a home that represented decades of memories and future financial security.

Client Profile

A semi-retired business coach and mediator owned their four-storey home for nearly 40 years. With only two brokers managing their insurance needs over nearly four decades, trust and continuity were essential.

The Challenge

The couple received an unexpected letter from their insurer, stating that they no longer insure properties with four floors. This sudden change left them feeling vulnerable and uncertain about their next steps. They needed a broker who could not only navigate the complexities of their insurance needs but also appreciate the true value of their home - both financially and emotionally - as it represented their future pension.

The Solution

The couple reached out to the Howden Private Client team and were connected to James Egginton – a trusted advisor known for his client focused approach. From the outset James provided reassurance and clarity, taking the time to explain each step of the process, answering every question, and maintaining regular weekly updates to keep them fully informed and supported.

The Outcome

James delivered a comprehensive insurance package and walked the client through the next steps with meticulous care. He also introduced them to their account manager who would provide ongoing support, ensuring a smooth transition and continued peace of mind.