Private Client Insurance UK Specialist High Net Worth Cover for Homes, Fine Art, Jewellery and Prestige Cars
From a single high-value home to a portfolio of properties, collections and vehicles, Artemis Insurance Brokers arranges bespoke private client insurance built around the way you actually live under-insured rebuild values, single-article limits that quietly cap your jewellery, art in transit, overseas homes standing empty, and the gaps a standard policy never mentions.
FCA Authorised
BIBA Member
30+ Years’ Insurance Experience
30+
Year Protecting UK businesses
20+
Specialist sectors covered
95%
Client retention rate
50+
Insurer and Lloyd's partners
1000+
Businesses and professionals insured
Types of Cover We Arrange
Types of Private Client Insurance We Arrange
Every major cover a UK private client needs, arranged by an independent broker with access to specialist and Lloyd's market insurers. Each can be arranged standalone or brought together into a single bespoke programme that saves cost, admin, and gaps in protection.
Private Client
What Is Private Client Insurance?
Private client insurance sometimes called high net worth insurance or HNW insurance is a specialist type of personal insurance designed for individuals and families whose homes, possessions and lifestyles have outgrown what a standard policy can properly protect. Rather than a fixed product bought off a shelf, it's a bespoke personal insurance programme arranged by a private wealth insurance broker: high-value home cover, fine art and jewellery protection, prestige and classic motor insurance, overseas property cover and personal liability, brought together into one coherent portfolio with one renewal conversation and one point of contact. Premium personal insurance at this level is judged not by the price of the policy but by what happens on the day of a serious claim.
Ready for Insurance That Matches the Way You Live?
Tell us about your homes, collections and vehicles in confidence. We'll review what you have, show you where the gaps are, and come back with proper cover options. No generic estimates, no pressure, complete discretion.
Free quote
No Obligation
24–48 hour acknowledgement
How It Works
How It Works Private Client Insurance, Made Simple
Arranging high net worth insurance shouldn't mean weeks of forms, home visits you didn't ask for, or pressure to buy a package that doesn't fit. At Artemis, we've built a discreet, transparent process that gets the right protection in place around your life not the other way round with a named broker on your side from the very first conversation.
01
A Confidential Conversation
Start with a call at a time that suits you. We'll talk through your homes, collections, vehicles and travel patterns along with anything that's caught you out before: a disputed claim, a valuation that felt wrong, cover you were never sure actually applied. For larger portfolios and estates we may suggest a professional valuation or appraisal, arranged around your schedule. No jargon, no pressure, and everything discussed in confidence.
At a time that suits you
03
Your Programme, in Plain English
We'll walk you through the options clearly: what's covered, what's not, where the single-article limits sit, how overseas homes are treated, and why we've recommended one insurer over another. You'll see the reasoning, not just the premium. Choose what fits and we'll put it in place around your renewal dates, consolidating policies where that makes life simpler.
Reviewed at your pace
02
Independent Market Search
Because we're an independent HNW insurance broker with access to wide UK insurers and Lloyd's market specialists, we approach the insurers who genuinely compete for private client risk not the mass-market names, and not one company's product list. That includes specialist high-value home markets, fine art and jewellery underwriters, and prestige motor schemes that comparison sites simply can't reach.
Handled entirely by your broker
04
Ongoing Care and Claims Advocacy
Once your cover is in place, we stay on your side. New acquisition to add mid-term? A property changing use, a family member starting to drive, a collection moving between homes? A claim that needs fighting rather than filing? That's what a real private client broker does and it's all part of the service, at no extra cost.
Real support, whenever you need it
Private Client Insurance Built Around the Way You Live
Wealth doesn't come in one shape. A family with a listed country house faces different risks from a director with a Kensington townhouse and a classic car collection, a collector whose art moves between homes and storage, or a family whose year is split between London and a villa abroad. We arrange exclusive insurance for private clients across the UK, with cover shaped around your homes, your collections, and the way your life actually moves.
Why Choose Artemis
When arranging private client insurance in the UK, you've got three options: go direct to an insurer, try a comparison site, or work with an independent broker. Comparison sites can't place high net worth risk at all and between direct and broker, what you actually get when a serious claim lands couldn't be more different.
Private Client Insurance FAQs
Still got questions? That's what we're here for. Speak to an Artemis private client broker for honest, independent advice on any aspect of high net worth insurance: no pressure, no jargon, no obligation.
Let's Protect What Matters Most Properly
Request a confidential private client insurance review from the Artemis team. We'll look at your homes, collections and vehicles as one picture, approach the insurers who genuinely compete for this kind of risk, and make sure you're neither over-paying nor quietly under-protected.
Mon–Fri, 9am–5pm
Confidential
No Obligation
Honest advice