Lifestyle & personal assets.

High-value personal assets sit in the uncomfortable gap between household contents and commercial cover. The rating basis is agreed-value, not replacement-cost. The claim is infrequent but reputational - a jewellery loss is a memory before it is a settlement.

The category requires three disciplines at once: appraisal rigour on underwriting, specialist claims handling, and distribution through retail partners who understand the asset, not through a general contents insurer's endorsement schedule.

Fine art. A separate valuation discipline and a separate insurer community. Written by specialist fine-art houses; we do not write against their expertise.

Classic and collectable vehicles. The rating basis is agreed-value, the claims are specialist - and the category is already well-served by specialist motor houses. Adjacent to our motor book; not inside it.

Collectable wine and spirits. Storage, provenance, authentication: disciplines outside the house.