Private client insurance · Bespoke cover for HNW individuals · 0208 909 2899

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.

Book a Private Review Speak to a Specialist

35 years trading 2,379 clients ~90% retention rate Chubb & Hiscox panel

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

Our Insurers

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier

The Problem

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.

What We Cover

Comprehensive private client
insurance

We arrange the full range of personal insurance for HNW and UHNW individuals — coordinated under a single broker relationship.

Property & Assets

Protecting what you own

High-Value Home InsuranceSpecialist

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.

Fine Art, Antiques & CollectionsSpecialist

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.

Jewellery, Watches & Valuables

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.

Prestige & Classic Motor

Supercars, collectors' vehicles and classic cars. Agreed value policies, limited mileage options, and cover designed for vehicles that appreciate rather than depreciate.

Multiple Properties (UK & Overseas)

Coordinated portfolio cover for all your properties — primary residence, second homes, holiday properties and overseas assets. No gaps between policies.

Protection & Lifestyle

Protecting yourself

Personal Liability £5m+

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.

Travel Insurance

Worldwide cover including adventure sports, winter sports and medical evacuation. Tailored to frequent travellers with higher medical limits and cancellation cover.

Kidnap & RansomUHNW

Specialist K&R cover for ultra-high net worth individuals. Crisis response, negotiation support and financial protection — discreetly arranged.

Private Medical InsurancePopular

Comprehensive PMI with access to leading consultants and private hospitals. Faster diagnosis, shorter waiting times and choice of facility.

Life & Critical Illness

Tailored to protect your family and estate. Structured around your financial commitments, inheritance planning and the level of protection your family needs.

Our Approach

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.

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How We Work

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.

Who This Is For

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.

Common Questions

Private clients FAQs

What counts as high net worth insurance?+

Generally for individuals with properties valued over £750,000, significant collections, or total assets requiring bespoke cover beyond standard policy limits.

Why can't I use standard home insurance?+

Standard policies have per-item limits and total contents caps that leave high-value items dangerously underinsured. Agreed value policies ensure full replacement.

Which insurers do you use for private clients?+

We work with specialist HNW markets including Chubb, Hiscox, Zurich Private Clients, and AXA — insurers who understand complex personal risks.

Do you cover overseas properties?+

Yes. We arrange cover for UK and overseas properties as part of a coordinated portfolio, ensuring there are no gaps between policies.

How does the claims process work for private clients?+

You deal with your dedicated specialist directly. We handle the entire claim from notification to settlement, advocating for full and fair payment.

Rather talk it through first?

Book a free 30-minute call with our Private Client Specialist — no prep needed, no obligation.

Book a Call with a Private Client Specialist Call 0208 909 2899

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Bespoke insurance fordiscerning clients.