Good insurers who actually have a person you can talk to?

[DoctorStrangelove]

Red zone for flooding.

Getting cover is more & more expensive every year.

The house is 6 feet higher than the bottom of the garden so flooding affecting the garden doesn't matter much.

The 1% risk is the failure of the dam of a local reservoir which would wipe out Strangelove Towers & a fair amount of the surroundings in the unlikely event it happened.

[vetran]

Bugger.

They won't insure Strangelove Towers.

Ho hum.

Too many farm animals?

[Zigenare]

Bugger.

They won't insure Strangelove Towers.

Ho hum.

It's the Celtic Manor and I claim my 100 Groats.

[DoctorStrangelove]

Bugger.

They won't insure Strangelove Towers.

Ho hum.

[HoofHearted]

Another vote for NFU

[Amanensia]

They are, and I considered Chubb. But their quote came back more than three times as high as NFU!

[CoolCat]

A few people here must have unusual homes - separate buildings for their swimming pools, 3 storey humidors, separate apartment for the butler, Air B'n'B in the old coach-house, etc.

Can any such people recommend am insurer who will actually let you talk to someone who knows things rather than forces you to talk to a phone jockey who keeps putting you on hold to talk to the expert every time you have a question?

Computer-says-no policies are fine for the plebs in their cookie-cutter new-builds but for people like us, who is good?

Chubb Insurance are one of the specialists for high net worth individuals, able to cover their full range of insurance needs, and specialist in multiple houses, cars, and exotics, etc. Their customer list is full of football and rock stars.

[Halo Jones]

The broker I use is Jannard Quadrant
I first went to them (many years ago) as a friend worked there, but even though he has left I stuck with them & they have done a good service for us.

[Anonimouse]

Nfu

[d000hg]

Go via a broker?

Thanks, that's the word I was looking for!

We're currently with Swinton, who in the past were really helpful for my late parents' house - I got a local agent on the phone who helped me sort out the fact the place was empty, transfer authority, blah blah.

But now we phone up to explain the situation and the 3 people we talked to all told us conflicting things, and "managers don't talk to customers".

We actually use a broker/IFA for mortgages who has helped us with life assurance in the past so I'll see if they handle this stuff, or at least can recommend someone.

[Amanensia]

Brokers are a very good bet. However, somewhat surprisingly perhaps, NFU are outstanding in my experience. Can just ring up and speak to a person, and they cover a couple of specific asset classes relevant to me with no hassle at all. Acquaintances who have had a couple of complex claims with them report complete satisfaction with the process and outcomes.

[Halo Jones]

Go via a broker?

[d000hg]

A few people here must have unusual homes - separate buildings for their swimming pools, 3 storey humidors, separate apartment for the butler, Air B'n'B in the old coach-house, etc.

Can any such people recommend am insurer who will actually let you talk to someone who knows things rather than forces you to talk to a phone jockey who keeps putting you on hold to talk to the expert every time you have a question?

Computer-says-no policies are fine for the plebs in their cookie-cutter new-builds but for people like us, who is good?