R K Harrison is the specialist Private Client division of Howden
If you have chosen to drive something special then you require the insurance to match. We source policies from a limited number of handpicked insurers based on their coverage, financial security and market expertise to ensure that your insurance is bespoke to your requirements and responds in your time of need.
Prestige Motor Insurance for UK and non-UK residents consists of:
- Prestige Marques
- High Performance
- Family fleet
- Temporary Cover for Imports into the UK on foreign plates
Our bespoke policies are tailored to your specific requirements and can include the following benefits you won’t find with ordinary car insurance:
Comprehensive cover when driving other cars
Many of our policies include cover for you to drive non owned and hired cars as standard so you are covered regardless of whose vehicle you are driving.
For many of our policies, your vehicle is insured at an agreed value. In the event of a total loss, you shall receive the pay out in full for the amount that is agreed with you shown on the schedule. This feature is especially important when buying a new car of leasing a car and can save you from having to purchase additional GAP cover.
Extended Replacement Cost
Some of our policies will pay the cost of replacing with the same make, model, specification, mileage and age, and in the same immediately prior to a loss even if the value of the replacement vehicle is more than your Agreed Value.
Any Driver Cover
Friends, non-household members and colleagues will be covered to drive your cars with your permission.
Your choice of garage
You choose the garage where repairs are carried out to the highest manufacturers standards.
A courtesy car similar to your own
Should you need a car while your vehicle is being repaired our policies will arrange one similar to yours.
Your car will be covered for an unlimited number of foreign trips per policy period. The maximum duration of any one trip you are insured for can vary between 90 days to 365 days dependent on the policy selected.
Many of our policies include cover for you driving in the UK and EU.
Our policies sometimes include additional cover for disability to driver, replacement transportation following injury or ill health, psychiatric cover following a covered loss and medical expenses for carjacking / road rage incidents.