We at Shearwater have been servicing the needs of our clients for over 20 years and would be delighted to provide you with a low costs no obligation quotation as well as demonstrate the high level of service that you would expect to see from a leading insurance broker. Please call and enquire for any of the below:

• Equestrian Homes - specialist insurance covering the risks associated with keeping horses at home
• High Net Worth and High Value Homes
• Standard Construction Homes
• Holiday & Second Homes (UK & Abroad)
• Rural Homes
• Non-Standard Homes
• Thatched Homes

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We understand an Englishmans home is their castle whether that be a one bed flat or a high value home We have a range of policies that are as unique as your home, which is why we can tailor a policy to suite your individual circumstances and we provide independent advice.

Key Features:

• Buildings & Contents Index linking available providing inflation protection
• Accidental Damage available
• Worldwide/All Risk Cover on Contents available
• Fine Art & Antiques Cover available
• Alternative Accommodation Included
• Outbuildings & Stables Extension included
• Emergency Repairs cover included
• Damage by Domestic Pets available
• Replacement Locks & Keys available
• Identity Fraud available
• Family Legal Protection available

Discounts vary from insurer to insurer and policy to policy however No Claims Discounts are typically available for clients with 2 or more years claim fre.

For risks with no claims in 5 years - 25% discount.
For risks with no claims in 4 years - 20% discount.
For risks with no claims in 3 years - 15% discount.
For risks with no claims in 2 years - 10% discount.

Security conscious customers may be eligible for additional discounts by fitting smoke/ burglar alarm.

Discounts may also be available for clients who are prepared to carry higher excesses.

In the event that you may need to make a claim, even if you are unsure that the incident will lead to a claim, it is vital to notify the office as soon as possible after the incident has occurred.

UK Telephone: 01992 707155

With Shearwater we are always on call to help and we know that an incident does not always occur Monday to Friday 9-5. That is why a member is staff is on call outside of office hours to offer advice and support whenever you need it

At Shearwater we have dedicated claims handlers who are your first port of call in the event of an incident. As soon as we have checked that your claim is covered by your policy, we will get the process moving.

In all cases we look to deal with your claim as quickly and efficiently as possible and will keep you informed of our progress.

“Shearwater have looked after my individual and family’s insurance needs for many years and have done so in both a professional and personable manner. You cannot over estimate how important it is to have a broker who you can genuinely trust and rely on who appreciates my requirements.” Richard Stroud

The below gives you an overview of the essential covers for a property owner.

Buildings insurance – buildings insurance covers property damage as standard from all major specified risks such as fire, storm & flood, lightning & earthquake, explosion, aircraft, riot, falling trees, etc. The cover is also available with accidental damage and subsidence, landslip & heave. The property is insured for its rebuild cost and not value. Rebuilt costs must take into account removal of debris, professional fees such as building contractors and architects as well as the bricks & motor to rebuild the property.

Contents insurance – covers your possessions within your property, such as furniture and fittings. Should you move house contents cover is for everything that you would normally take with you. Again accidental damage can be included as well as cover for items outside your property in the UK & abroad such as laptops, mobile phones, jewellery, bicycles and other valuables.

Property Owners/Public Liability insurance – we include public liability as standard on all our property owners policies, this covers you against claims made by people on your premises for damage to their property or personal injury arising from incidents connected with your property.

Contents Calculator Check List

Household Proposal Form

Subsidence Questionnaire

Thatched Home Questionnaire

Flood Questionnaire

Contract Works Questionnaire