High value household Insurance
HSBC Private Bank France and Hiscox are combining their know-how and expertise to offer you an upscale custom-made home and fine art insurance in order to provide the best possible protection.
Hiscox, a member of Lloyd's, is an international group dedicated to the development and sale of insurance products with high value added. The Group, established in 1901, is quoted on the London Stock Exchange and has over 750 employees throughout the world. It reported turnover of 2 billion Euros at the end of December 2007. Hiscox’s clients can benefit from its international network of experts for the valuation of their fine art.
Upscale insurance for your property and fine art developed by HSBC Private Bank France, in partnership with the specialist insurer Hiscox |
The “fully comprehensive home insurance” policy guarantees to reimburse the insured person, in full or part, for the value of any damages caused to his/her home and its contents if any insured events were to happen : theft, fire, water damage, natural disasters, etc.
This policy can be used to protect properties, furniture, personal effects, artworks and jewellery. It also covers any damages caused by the insured person in his/her private life.
True to our aim to deliver innovation and excellence, we are committed to meet your expectations by offering you:
| - a global approach to your assets, including your properties, artworks and collections;
- a personalized support and assistance to suit your lifestyle, thus ensuring all your activities and trips are covered;
- an access to experts in the fields of insurance, artworks, protection, etc.
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A custom-made policy
Belles Demeures is a "fully comprehensive home insurance” policy offering a global and discreet insurance protection, perfectly suited to the specific requirements and the importance of your wealth.
You decide which assets to cover and the limits of your fully comprehensive policy, with the agreement that: "what is not excluded is covered."
Area of wealth assets protected
| - Outbuildings, gardens including all ornaments and leisure equipments (swimming pool, tennis courts),
- Their contents: furniture, personal effects and fine art.
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A custom-made insurance policy to protect your assets |
| - Compensation at reinstatement value, whatever the age of your property, furniture or personal effects, with the exception of jewellery (compensation at replacement value).
- Personal effects covered against accidental damage.
- Contents covered everywhere in the world, including seasonal locations.
- Flexible policy: excesses and protection limits defined by the client.
- Upholding of guarantee even when the client leaves his/her primary or secondary residence several months a year.
- Customer assistance (assets valuation, etc.).
- Easy access to the protection system and remote surveillance of the client's assets if desired.
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A particularly well-fitted policy for fine art and jewellery
| - Full coverage of artworks without prior declaration.
- Coverage valid throughout the entire world.
- In the event of theft, international searching service and access to specialists for repairs and restorations.
- Automatic coverage of artworks purchased in the course of the year.
Value of artworks automatically increased in the event of artist death.
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High level of service delivered in case of damages
| - Claims can be made by phone or fax (limited formalities).
- Hiscox Assistance offers a 24-hour emergency response service in France and abroad.
- After-claim assistance with no excess to pay.
- Urgent repairs (electrician, plumber, etc) and protective measures (drying out of paintings, for example) after the damage.
- If you have to make a claim, we offer a sympathetic helpline and psychological support.
- Dedicated services offered on a daily basis (doors opening, troubleshooting, directory assistance or transfer to other service providers) and extensive legal protection (inheritance, industrial tribunals, tax matters, property, consumer, criminal).
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