Bespoke insurance for
discerning clients.
Forum's Private Clients team provides tailored personal insurance for individuals whose assets, lifestyle and exposures go beyond what standard policies can cover. Discreet, personal, thorough.
Private client enquiry
Tell us what you need — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).
Discreet · Personal · Mon–Fri 9:00–18:00
Why standard insurance
isn't enough
Standard policies are designed for average risks. If your assets, lifestyle or exposures go beyond the norm, they leave dangerous gaps.
Contents limits too low
Standard home policies cap contents cover at levels far below the actual value of a well-furnished home. Anything above the cap is simply uninsured.
Single-item limits
Most policies limit individual items to £2,000. A single watch, ring or piece of art can exceed that many times over — leaving collections dangerously exposed.
No agreed value
Standard motor uses market value, which depreciates. Prestige and classic vehicles need agreed value cover so you know exactly what you'd receive in a total loss.
Multi-property gaps
Multiple properties need coordinated cover, not separate policies with different insurers. Gaps between policies are where claims fall through.
Call centre claims
HNW claims require specialist handling — understanding valuations, replacement costs and the nuances of high-value losses. A call centre can't provide that.
Overseas gaps
Standard policies rarely cover overseas property adequately. International assets need specialist placement that accounts for local regulations and risks.
Comprehensive private client
insurance
We arrange the full range of personal insurance for HNW and UHNW individuals — coordinated under a single broker relationship.
Protecting what you own
For properties valued at £750,000 and above. Agreed reinstatement values, bespoke terms from Chubb, Hiscox, Zurich Private Clients and AXA. Cover that reflects the true cost of rebuilding your home.
Individual item scheduling with worldwide all-risks cover. Specialist valuations, no single-item limits, and cover that moves with you — at home, in transit, or on loan.
All-risks cover with no per-item limits. Each piece individually scheduled based on recent valuations. Worldwide cover as standard — not an expensive add-on.
Supercars, collectors' vehicles and classic cars. Agreed value policies, limited mileage options, and cover designed for vehicles that appreciate rather than depreciate.
Coordinated portfolio cover for all your properties — primary residence, second homes, holiday properties and overseas assets. No gaps between policies.
Protecting yourself
Worldwide personal liability cover for you and your family. Often overlooked, rarely included adequately in standard policies, and essential for anyone with significant assets to protect.
Worldwide cover including adventure sports, winter sports and medical evacuation. Tailored to frequent travellers with higher medical limits and cancellation cover.
Specialist K&R cover for ultra-high net worth individuals. Crisis response, negotiation support and financial protection — discreetly arranged.
Comprehensive PMI with access to leading consultants and private hospitals. Faster diagnosis, shorter waiting times and choice of facility.
Tailored to protect your family and estate. Structured around your financial commitments, inheritance planning and the level of protection your family needs.
One specialist.
Complete discretion.
You work with a single dedicated private client specialist — not a team, not a rotation. One person who understands your complete picture and can act quickly when you need them.
We conduct a full asset review before placing any cover, ensuring nothing is missed and no policy overlaps or leaves gaps. Your programme is reviewed annually and updated as your circumstances change — proactively, not just at renewal.
Speak to a private client specialist →What to expect from
our private client service
Dedicated private client specialist
One person, not a team rotation. Your specialist knows your portfolio and can act immediately.
Full asset review and risk assessment
Before we place anything, we review every asset, exposure and existing policy to build the right programme.
Access to specialist HNW markets
Chubb, Hiscox, Zurich Private Clients and AXA — insurers who genuinely understand complex personal risks.
Annual review
We contact you before renewal to ensure cover keeps pace with asset values, acquisitions and life changes.
Discreet, efficient claims advocacy
You deal with your specialist directly. We handle the entire claim and advocate for full, fair settlement.
Private client insurance
for those who need it
Property owners £750k+
Individuals with high-value primary residences, second homes or development portfolios where standard home insurance can't provide adequate cover or appropriate policy wordings.
Collectors & connoisseurs
Owners of significant art, jewellery, watches, wine or classic car collections. Assets that need specialist valuation, individual scheduling and worldwide all-risks cover.
International clients
Those with overseas property, frequent international travel or business interests abroad. Cover coordinated across jurisdictions with no gaps between policies.
Family offices & wealth managers
Professional advisers seeking a trusted insurance partner for their clients. We work alongside your existing advisory team to ensure insurance complements the broader wealth strategy.
Private clients FAQs
Complex assets need better questions.
Book a free 30-minute call with our Private Client Specialist — no prep needed, no obligation.