Prestige Personal Insurance
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Prestige Personal Insurance — Tailored Home, Motor, Caravan & Boat Cover
Key Facts
- Specialist cover for high‑value homes, classic & luxury vehicles, premium caravans and leisure craft
- Agreed value, replacement cost options and higher liability limits
- Optional features: accidental damage, agreed heirloom/art coverage, motor chauffeur/driver cover, offshore cruising extensions
- Discreet service, risk surveys and tailored excess/claims handling
- Australia‑wide placement with specialist HNW underwriters
Who benefits from prestige personal insurance
- Owners of high‑value residences, heritage or architect‑designed homes
- Collectors of art, jewellery, wine or antiques requiring agreed value cover
- Owners of luxury or classic cars, modified vehicles and personalised plates
- Caravan and motorhome owners who travel extensively or live on-board
- Yacht and boat owners needing cruising, mooring and liability protection
- Families seeking higher limit personal liability and tailored risk management
Core covers & bespoke options
- Building & reinstatement cover on a replacement cost or agreed value basis, covering architect finishes, high‑end fit‑outs, pools, gardens and outbuildings.
- Accidental damage, roof & glass cover, and higher sum insured for specialty finishes.
- Specified valuables: option to schedule high‑value items (art, jewellery, wine collections) with agreed values and flexible claims handling.
- Alternative accommodation and extended loss of rent for long rebuild periods; mortgagee wording and heritage restoration options
- Agreed value cover for classic, collectible and modified vehicles with specialist valuation acceptance.
- Options for chauffeur/driver cover, personalised plate protection and spare parts cover.
- Limited mileage, agreed usage profiles and flexible excess structures suited to collector vehicles.
- Cover for show, concours, and restoration transit (pickup/dropoff) included where required.
- Comprehensive cover for caravans, motorhomes and annexes including contents, awnings and customised fittings.
- Agreed value, loss of use and emergency accommodation while repairs occur.
- Transit cover for towing, caravan storage and seasonal relocation.
- Optional cover for off‑road travel, extended touring and temporary storage during voyaging.
- Hull agreed value or market value cover for yachts, motorboats and tenders.
- Third‑party liability, pollution cover, salvage and wreck removal, and medical repatriation options.
- Cruising area extensions (coastal, offshore, international), trailer cover and marina/berth risks.
- Racing or regatta endorsements available for competitive craft where applicable.
Personal liability & risk management
- Higher personal liability limits to protect personal assets against third‑party claims arising from home, vehicle or marine incidents.
- Umbrella/excess liability layers to increase protection beyond primary policy limits.
- Concierge risk services: pre‑purchase surveys, valuer introductions, secure storage advice and specialist loss adjusters for discreet claims handling.
Valuation, agreed values & claims philosophy
- Accurate valuations or professional replacement estimates are essential to avoid underinsurance; Bracesure assists with valuer referrals and scheduling.
- Agreed value avoids depreciation disputes on total loss and speeds settlement.
- Discreet, high‑touch claims management with specialist adjusters, negotiated repair/ restoration pathways and rapid temporary accommodation arrangements where needed.
Underwriting & premium driver
- Property construction, materials and heritage status
- Asset values, collection size and declared sums insured
- Vehicle use profile, mileage and storage/garaging arrangements
- Boat cruising range, skippered vs bareboat operation and maintenance records
- Security measures, alarm systems, safe storage for valuables and professional maintenance regimes
- Past claims history and prior loss events
How Bracesure works for prestige clients
Private consultation:
confidential assessment of assets, lifestyle and exposures.
Tailored placement:
approach specialist underwriters offering bespoke wording, agreed values and enhanced limits.
Documentation:
deliver clear schedules, valuer reports and concierge claims instructions.
Ongoing service:
annual valuation reviews, policy updates for acquisitions and rapid claims advocacy with specialist adjusters.
Practical risk‑reduction tips for prestige assets
- Maintain up‑to‑date valuations and photographic inventories for valuables
- Secure storage for vehicles (garaging), boats (marina berthing) and caravans (locked storage)
- Install monitored alarms, CCTV and perimeter security; use professional maintenance services
- Keep detailed service and restoration records for classic vehicles and boats
- Use approved installers and licensed trades for home works to preserve cover
Get a private quote for prestige personal insurance
Frequently Asked Questions (FAQs)
Agreed value is a pre‑agreed sum insured for an item (home, vehicle, boat) that the insurer will pay in full on total loss, avoiding depreciation disputes.
You can combine some covers but specialist assets often require tailored policies or scheduled endorsements to ensure adequate agreed value protection.
Yes—past claims increase risk profiling; proactive risk management and security measures can help mitigate premium increases.
Yes—insurers offer heritage or restoration wording to cover specialist reinstatement and compliance costs; accurate valuations and approvals are required.
Cruising and travel area extensions are available; disclose intended voyages to ensure correct territory and exclusions.
Collections are best scheduled with agreed values, accompanied by provenance and valuation certificates to ensure full cover.
Yes—classic/collector policies can reflect limited use, storage conditions and agreed mileage to provide specialist pricing and agreed value cover.
Simple placements: within 24 hours. Complex portfolios, high‑value collections or bespoke yacht programs may take several days pending valuations.