For Melbourne families with prestige homes, valuable collections, multiple vehicles and assets that move across borders, retail insurance falls short. We arrange consolidated private client programmes through specialist underwriters — discreetly, in English, Mandarin or Cantonese.
A private client programme consolidates the policies that families typically hold across several brokers and insurers — and replaces them with a single, broader contract underwritten by a specialist insurer who underwrites you, not a postcode.
Private client home policies cover prestige residences, period homes and architecturally significant properties on broader wordings than standard retail insurance. Sums insured commonly range from $2 million to over $20 million, with an emphasis on accurate rebuild costs and the inclusion of features such as wine cellars, swimming pools, landscaped gardens and garaging.
Art, sculpture, watches, jewellery, wine, photographic equipment and other collections sit on a specified valuables schedule, typically on an all-risks basis worldwide. Valuations should be current and on file, and we maintain those relationships with auction houses, gemmologists and specialist valuers on your behalf.
Daily prestige vehicles, weekend cars, classic and historic vehicles, racing collections and modified specials are placed with insurers who understand them. Agreed value, choice of repairer, original-parts replacement and overseas use are all standard features of a properly placed prestige motor policy.
For clients with watercraft from tenders to ocean-going yachts, or aviation interests including private aircraft and helicopter shareholdings, we coordinate the specialist marine and aviation policies alongside the rest of the programme.
A private client programme commonly includes annual worldwide travel cover for the family, kidnap and extortion cover where relevant, and excess personal liability of $5 million to $50 million sitting above your home, motor and watercraft policies.
Beyond higher limits, the meaningful differences between a typical private client policy and a typical retail policy show up at claim time. Differences shown below are typical, not universal — wordings vary between insurers and individual policies, and the relevant Product Disclosure Statement should be read in full.
A meaningful share of our private clients are families with assets, businesses and family members across Australia, China, Hong Kong, Singapore and the United Kingdom. Coordinating insurance across jurisdictions calls for an understanding of where each policy responds, and where it does not.
We work with specialist insurers who can issue policies covering Australian-resident clients with overseas assets, and who coordinate with foreign insurers where local cover is required. We can communicate with you and family members in English, Mandarin or Cantonese — every conversation, every document and every claim handled in the language you prefer.
Where appropriate, we coordinate with your accountant, lawyer, family office or estate planner so that insurance arrangements align with the broader wealth structure rather than sitting separately to it.
There is no single threshold, but private client (or HNW) insurance is generally appropriate when standard retail policies start to fall short — for example, when the home rebuild cost exceeds $2 million, when contents include fine art or jewellery worth more than $250,000 in aggregate, or when there are multiple homes, vehicles or international assets to coordinate.
The benefit of a private client policy is broader cover, higher limits, and an underwriter who underwrites the individual rather than slotting them into a tariff.
We work with specialist private client insurers operating in the Australian and London markets, accessed both directly and through specialist underwriting agencies. Each has a different appetite for prestige construction, art collections and overseas property.
We compare the available markets and explain the meaningful differences in cover before recommending one. Specific insurer names are confirmed at quotation.
Standard home contents policies typically cap unspecified valuables and jewellery at $1,000 to $5,000 per item. For collections of any meaningful value, items should be specified individually or scheduled, with current valuations on file.
A specified policy also broadens cover from named perils to all-risks, which matters for art and watches that travel with you.
Yes. The hallmark of a private client programme is consolidation — a single policy covering primary residence, holiday home, prestige and classic vehicles, fine art, jewellery, watches, yachts and worldwide travel under one umbrella.
This avoids gaps between policies and gives you a single point of contact at renewal and at claim time.
Major renovations and new builds need a contract works policy that names the homeowner, builder and any lender. Once the home is complete and the certificate of occupancy is issued, the property transitions onto a private client home policy.
We coordinate that handover so there is no gap in cover between the building phase and occupation.
Yes. Privacy and discretion are core to private client work. We limit disclosure of client information to what is necessary to place cover, manage claims and meet our legal obligations, in line with the Privacy Act 1988 and the Australian Privacy Principles. Our full Privacy Policy is published on our website.
Send us your current schedule of insurance, or call to arrange a confidential meeting. We will review what you hold, identify gaps, and present a consolidated programme — with no consultation fee and no obligation. If you choose to place cover through us, we may earn commission from the insurer as set out in our Financial Services Guide.
Arrange a meeting → Call 0478 978 888