Personal Insurance

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Insurance for high-net-worth individuals

The right insurance helps you deal with the unexpected, so it is important to work with a team who understand the requirements of high-net-worth individuals and their lifestyles.

​​​​​We work with insurers who provide excellent cover, who have a proven track record of positive claims handling and who offer valued solutions.

We look after the discerning needs of our clients. Precisely designed insurance can save you time and money, especially after a claim. And getting clients back on track is our top priority.

Homegrown For Entrepreneurs & Businesses

Household insurance

In order to provide a policy that is suited to your demands, needs and requirements, we take time to understand what’s important to you.

Our team can arrange the following coverages for the discerning client:

• Buildings
• General contents
• Fine art
• Let property
• Valuables including jewellery and watches
• Overseas properties
• Holiday homes.

Our service includes:

A free review of your existing arrangements

Guidance on risk management – our account managers offer helpful advice on risk management.

Property appraisals – we help arrange surveys, remote surveys and client appraisals to assist clients in getting the correct values.

Client service – we offer on site visits to both new and existing clients, and we can deal with our clients in the way that most suits them (phone, email or face-to-face). Our service proposition is set by your agenda.

Security assistance – we also work with industry specialists who provide details of companies that offer full security consultations, safe installations and general advice on best practice to you.

Valuations – we can also assist with valuation services, art consultancy and security coding.

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Fine art, jewellery and collectibles

There should be no compromise on protecting your most valuable assets.

We arrange cover for the objects you prize the most, whether that is jewellery, fine art, sports memorabilia, fine wine, guns, collectibles or anything else of particular value.

Our team advise on insurance’s role in the overall risk management of your collection as well as provide competitive rates and access to related services.

Additionally, we work with companies who are able to offer a service which enables your valuables to be coded with DNA. DNA service helps recover stolen items as many auction houses and police officers screen for codes if the items are recovered or come up for sale.

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Motor insurance

Whether you’re driving the latest supercar or have a family fleet, we have a solution for you.

Insurance for UK and non-UK residents consists of:

• High value motor cars
• High performance motor cars
• Family fleet
• Specialist/non-standard motor cars.

Our bespoke motor policies are tailored to benefit you and generally include the following covers:

Comprehensive cover when driving other cars – you will be covered regardless of whose vehicle you are driving.

Agreed value – your vehicle is insured at an agreed value as shown in your schedule. In the event of a total loss, you shall receive the payout in full.

Breakdown cover – driving in the UK is covered and you will have breakdown support.

Choice of repairer – you will have the choice of repairer should it be necessary for your vehicle.

Classic cars

Classic cars are proving a profitable asset over the past decade or so, and also a very enjoyable one!

For clients who require multi vehicle insurance protection for their collections, we can provide a solution for you. Our expertise in classic vehicle insurance covers:

• Vehicles manufactured from late1800s to present day
• Cars and motorcycles
• Comprehensive and static options
• Territorial coverage available beyond UK and EU
• Rallying and event insurance.

Insurance for car collectors includes:

• Agreed values
• High value cars and bikes
• Flexible mileage options
• UK and EU breakdown and recovery
• Modern and classic collections
• Competitive pricing

Not only do our team have extensive experience and knowledge in providing the right insurance, but they are active owners of classics and are passionate about these unique vehicles. 

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Yacht insurance

We guide you and give the right advice for your insurance requirements to get you on the water. We aim to obtain the right cover that meets your individual needs.

Whether you are looking to insure a small craft, motorboat, sailing yacht or super yacht, we offer tailored solutions, including but not limited to:

• Hull
• Machinery, gear and equipment
• Protection and Indemnity Insurance
• Local, European and worldwide Cruising
• Skipper charter
• Racing risk
• Water skiers and towing of toys liability
• Agreed value
• Uninsured boater
• Fine Art
• Personal effects
• Get you home.

Get protected

Speak to a specialist today

Do you have an existing policy with Howden?

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Howden is a trading style of A-Plan Holdings which is authorised and regulated by the Financial Conduct Authority. Registered Office: 2 Des Roches Square, Witney, OX28 4LE. Registration Number: 75048