Lifestyle / Special Risks
Specialist Personal Risks
High-value possessions and unique personal pursuits require a more nuanced approach than standard policies can offer.
What is it?
These are specialized insurance solutions concerning specific assets or activities with high financial or emotional impact. It covers areas such as fine art, jewelry, private boats, collections, or rare individual circumstances that do not fall under standard insurance categories.
Who is it for?
It is relevant to collectors of art or valuables, owners of high-value jewelry and watches, boat owners, and individuals with unique risks that require personalized consideration.
When might you need it?
You acquire a significant piece of art or a valuable item of jewelry.
You purchase or undertake a refit of a private boat or yacht.
You maintain a collection (e.g., wine, coins) whose value has increased significantly.
You inherit items of high financial or sentimental value.
You engage in specialist activities that involve unusual risks.
These are illustrative circumstances, not a description of policy terms, conditions or exclusions.
Why review this cover?
Standard policies often set low limits for 'specified items', which may not be adequate. A specialist review ensures these assets are valued correctly and protected with terms that match their true nature.
The Vesta approach
Understand first, then solutions.
We begin by listening to the story of your assets or activities, understanding their value and your relationship with them. We then look at how that value can be secured, so you can continue to enjoy your lifestyle with peace of mind.
Next step
Let's look at your circumstances.
Tell us how things work in practice and we will explain what is worth reviewing before any solution is discussed.
Prefer to speak with us?
If you would rather talk it through, tell us a little about your business and we will come back to you. No lengthy forms at this stage.