Howden Private Client Scotland
From buildings and contents to fine art and jewellery, holiday homes to motor, we provide custom made cover to keep you protected – alongside individual guidance and exclusive access to our trusted valuers, security firms, and property managers across Scotland. Whether you’re in Edinburgh, Glasgow, or the rural Borders, our local offices are here to help.
Our team combines expertise with local knowledge to deliver bespoke insurance solutions for high-net-worth individuals and families. From prestige homes and estates to fine art, jewellery, and collections, we provide tailored cover that reflects your lifestyle and assets.
With offices across Scotland - including Edinburgh, Elgin, Galashiels, Glasgow, Perth, and Turriff - we’re never far away when you need us. Our local presence means personal service, understanding of regional needs, and quick access to specialists who care about protecting what matters most to you.
Specialist needs, simply protected
From Edinburgh to the Highlands, we combine national strength with local knowledge to protect your homes, collections, and lifestyle.
Meet the Team
|
Mark Richards 
Telephone: 07977 810 577 Email Mark |
Alexandra Richards 
Telephone: 07464 545 648 Email Alexandra |
Derek Nicol 
Telephone: 07786 978240 Email Derek |
Home
High-value home insurance is designed for homeowners who have that little bit extra. Whether it’s a Georgian townhouse in Edinburgh’s New Town, a stylish property in Glasgow, or a rural estate in the Borders, if your property is of significant value, has distinctive features, or contains high-value contents, you’ll need a policy that offers a higher level of protection than standard home insurance. We can help with:
- Main residences
- Second homes or holiday homes
- Thatched and Listed properties
- Building works/renovations
Fine Art
It’s not always necessary to have a bespoke art insurance policy to insure artwork but it’s important that you understand whether your policy provides you with the cover you need to fully protect your collection. Our team has many years’ experience in providing specialist art insurance, for both large and small collections.
Jewellery
Money from an insurance payout can’t fully compensate for the loss of a wonderful piece of jewellery but having the right insurance cover in place will at least help with the financial loss –whether that’s a fund to buy a replacement, cover the cost of repair or restoration, or compensate you for any depreciation in value.
An insurance policy with Howden can include cover for:
- Loss
- Theft
- Accidental damage (can be removed from policies)
- Loss of diamonds or stones from jewellery
- Cover whilst outside the home
- Pairs & Sets Cover – if you damage an item that’s part of pair or set and a replacement can’t be found; the entire set will be replaced or compensated for.
Whisky Collections
Do you invest in whisky or buy it to drink? Either way it’s important to protect your collection, just as you would a piece of art. Relying on a standard home insurance policy could leave you without essential cover or potentially underinsured.
It is always important to understand what is not covered by an insurance policy. Talk to us and we will help simplify and demystify the best way to insure your whisky collection.
Motor
Whether it’s an everyday car, a high performance vehicle or an all-in one policy to cover a personal collection of cars, we can help.
- Everyday car
- Luxury and high performance vehicles
- Classic and vintage cars
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