Protecting your extraordinary assets in a way that exceeds your expectations
Our specialised division with the sole mission of providing creative, modern day insurance solutions for high net worth individuals. We are passionate about safeguarding your possessions, whether it’s your home, car or prized art collection.
We deliver concierge claims service capabilities few can match in the industry. Our claims service professionals are experts at problem resolution and respond with a strong sense of urgency and respect for your time.
We have the know-how and talent to assess vulnerability and insure unique risks — delivered through a local presence that enables us to respond rapidly when unforeseen events occur.
Our insurance is individually underwritten, so we can craft it to integrate with other covers for maximum protection and tailor it to address your needs. A holistic approach also means that we help our clients identify, anticipate and reduce their exposure to circumstances that could lead to a loss.
Comprehensive, yet flexible protection designed to reflect your lifestyle and potential future needs. We deliver on this promise because of our market knowledge and expertise in managing risks with unique features and exposures.
AIG has experts in over 160 countries and jurisdictions and more than 90 years of experience, delivering for our clients first-rate technical knowledge and an exceptional claims experience.
Your home isn’t just any residence. It is a special place that reflects your individuality, your lifestyle preferences and passion. At AIG, we understand that no two homes are alike and because of these fine distinctions we’ve built a Home and Contents programme that addresses the unique needs of high value homes.
Comprehensive buildings cover
Our cover provides maximum protection for exceptional homes,
specifically designed to address the uniqueness of your dwelling or
the valuables so carefully chosen within.
Your contents are automatically covered for up to 50% of your
buildings sum insured to prevent underinsurance and to allow you peace
All risk cover
Our protection against property damage and loss is one of the
highest in the industry, so you can rely on comprehensive insurance
and few restrictions.
Newly acquired items
New acquisitions are immediately covered at the time of purchase
conveniently allowing you up to 90 days to add the item to your policy
(up to 25% of the contents limit).
The precious contents you’ve acquired are protected wherever they
are in the world.
Extended rebuilding cost
In the majority of cases, if the unexpected should happen and your
home is damaged, Private Client Group will pay to have your home
rebuilt or repaired to its original state and beauty — even if the
costs exceed your policy limits.
If your home cannot be occupied due to a covered loss, Private
Client Group will cover reasonable costs for alternative
accommodation, within your usual living expenses for up to 3 years.
This allows you to maintain a comparable standard of living, without
further interruption. Your loss of income if the home is rented will
also be reimbursed.
Worldwide personal liability
Our policies provide generous limits of personal liability
At AIG, we understand the success necessary to attain the finest
craftsmanship on wheels—and our Private Client Group shares your
passion for keeping it protected. We can design an elegant but
powerful insurance plan around your driven lifestyle, so you can focus
on the road ahead.
The descriptions below are intended as a brief summary only. For full cover details and policy limitations and exclusions, please refer to the Motor Policy Wording or the Policy Summary Key Facts.
We have an appreciation for your unique needs, and know that your
lifestyle demands comprehensive cover for your vehicle anywhere within
the territorial limits.
Once the value of your vehicle is determined, we realise that you
expect nothing less at the time of your claim. In fact, if a total
loss occurs, we make certain that no adjustments are made for market
depreciation. As you would expect, this does not apply to classic
New car replacement
If your new vehicle is damaged beyond repair or stolen within two
years of its purchase, we offer you choice and flexibility. You can
opt to receive agreed value, replace it with a vehicle of the same
year, make and model; or receive a new vehicle of the same make and
like model (provided you or your family member are the first
registered owner of the vehicle).
Hire vehicle provision
To simplify your life and ease your claims experience, we will cover
the cost of a temporary car of similar specifications while your
vehicle is being repaired or until your theft claim is fully resolved
up to £5,000 per occurrence.
Rental vehicle cover
We’ve designed exclusive benefits that respond to your needs. We
cover as an insured vehicle any motor vehicle that is rented by you or
your spouse. This protection is provided up to 90 days anywhere in the
territorial limits and is in excess of any other collectable primary
Choose your own repairer
Know that your repairs are in good hands. When your car needs
repairing, you can choose your own repairer or one of the companies on
our recommended repairer list.
Original manufacturers’ parts
You can rely on the highest standards of quality. If repairs must be
made, original manufacturers’ parts will be used wherever
No claim bonus
If your vehicle sustains damage or loss which is covered under the
policy and we do not consider you to be at fault, it will not affect
your no claims discount rating.
Whether you own a single collector car or a multi-million priced
collection, you can benefit from exceptional cover and service. In
addition, we can work closely with you to proactively address any
exposures that may threaten the value of your collection. Minimise
cover gaps and administrative hassles by packaging collector and
regular-use automobiles on the same policy.
Appraiser and restoration referrals
Take advantage of our network of specialists — including appraisers,
car transport companies and vintage vehicle restorers—to help maintain
the value of your collection.
Is there a disaster plan in place at your storage facility? We can
provide a comprehensive vulnerability assessment to identify factors
that could threaten your vehicles and recommend steps you can take to
Transit and storage consultation
We can advise on the proper design and maintenance of your storage
facility as well as use state-of-the-art technology to detect
potential hazards. We also can counsel you on the best methods to move
your collection from one location to another.
For details of all of the features and benefits of this product, along with any significant conditions or exclusions, please see the Policy Wording.
At AIG, we appreciate the dedication it takes to build a unique
collection of artwork, jewellery, wine, antiques or virtually any
other rarities that reflect your personality. We share your attention
to detail when it comes to insuring it. Our Private Client Group can
curate a thorough plan to safeguard your valued possessions, as if
they were our own.
Advantages of our Collections Programme
Insure virtually any fine collectible, knowing that with AIG your
items are protected. We cover any property damage or loss due to all
risks, including fire, theft, earthquake, flood and breakage — almost
anywhere in the world..
Newly acquired items
We automatically cover up to 25% of your policy class limit for
items acquired by purchase during the policy period. We understand you
need flexibility and time and allow you up to 90 days to add it to
We cover up to 150% of the amount you scheduled when you have a
valuation of the item carried out within the last 24 months prior to
any claim. We realise your private collection is an appreciable asset
and as such requires insurance that keeps up with its market value.
Death of artist
If you have a loss to an item by an artist who recently passed away,
we cover up to 200% of the amount insured (up to a maximum of
£150,000), provided you had a valuation done within the last 36 months
prior to any claim.
If you have a covered loss, we provide insurance up to £25,000 or 5%
of the collection sum insured, whichever is less.
Pair or set
We allow you to choose whether to repair, replace or surrender
undamaged items that are part of a pair or set when there is damage to
an item in that set or pair.
Items in transit
We understand that fine collectibles need protection while in your
hands or in transit. That is why we provide cover for your collections
when they are being transported. We also provide complimentary
consultations to determine the best transit options available to you
to safely ship your unique collectibles.
Items on exhibit, display or loan
We cover your items that may be damaged when moved to or from
exhibitions and/or while you have them on display or loan.
Liquid assets are just as important as any other fine collectible. Choose one overall cover limit or insure individual bottles. We also include cover for spoilage due to mechanical breakdown or climate-control systems and breakage.
Managing risk, preventing loss
In addition to robust insurance cover, Private Client Group can help preserve the value of your collection and keep it out of harm’s way. Our in-house art collection management specialists offer a comprehensive array of services, including:
Appraiser referral services
Superior claims service Our collection specialists work closely with our claims staff to provide conservator referrals, locate appraisers, review treatment proposals, oversee packing and shipping arrangements and educate them on fine collectibles. If an item is ever lost or stolen, we make every effort to recover it.
AIG understands what yacht ownership means, whether you are cruising
around the world or sailing close to home. We’ll manage your risk
while you enjoy the serenity of the water. Prepare yourself to
experience a safe journey knowing that your vessel is protected when
you follow your charted course.
Advantages of our Yacht Programme
All risk cover
Our yacht policy provides broad cover for virtually all types of
risks. You can be assured of the same high quality cover for yachts of
any size, from small boats to super-yachts.
Worldwide navigational limits
We have the capacity to insure pre-defined or worldwide navigational
limits based on your specific cruising plans.
Your yacht insurer needs to respond to growing exposures. Should
your needs require both high hull values and high Protection and
Indemnity (P&I) limits, we can create a bespoke and comprehensive
package to ensure that the yacht owner is properly covered.
Our comprehensive cover not only protects your yacht in the event of
a loss, but also covers items such as tenders, fine art, personal
property and furnishings at separate lower excesses.
Flexible excess options
We understand your needs can change and that flexibility in cover is
paramount. We can adjust your excesses to suit your risk appetite.
Assuming more up-front risk may result in premium savings.
Temporary removal and storage
We have crafted terms to cover your yacht’s masts, spars, sails,
equipment, tenders, personal watercraft, outbound motors and contents
against physical loss or damage while in temporary storage on land,
including while in transit to or from your yacht.
Newly acquired yachts
You can purchase yachts with confidence knowing your new yacht or
tender will be covered up to 30 days from purchase.
We will pay damages which you are legally liable to pay for injuries
sustained by crew members while employed on your yacht.
Environmental damage protection
We reimburse expenses related to pollution and/or marine
environmental damage caused by a covered occurrence, up to the
Protection and Indemnity cover limit on your policy.
We provide customised solutions that give you other options. Examples include:
Help when you need it
Whenever you need us, Private Client Group will ensure that you and
your yacht receive the utmost attention and expert care — almost
anywhere in the world.
AIG is a member of the Flood re scheme. For properties that are eligible for flood cover under the scheme, AIG may choose to cede flood risk to Flood re – effectively acting as a reinsurer to AIG for flood cover.
Flood Re is a new scheme developed by the insurance industry and the
Government to make flood cover more affordable for households at the
highest risk of flooding. As a result of Flood Re, there should be far
more home insurance options available to households like yours, and
prices should be more competitive. Flood Re makes no difference to the
way you buy your home insurance; you will buy it in the same way
you’ve done before. Any claims you need to make will continue to be
handled by your insurance company.
For further information about how Flood Re works and what the benefits are please visit www.floodre.co.uk where you will also be able to find information about flood prevention and protection.