Home Security

Home Security

Protecting you and your home

Good risk management brings peace of mind – and could reduce your insurance premium.
 
As well as providing extra cover with fewer small–print exclusions, specialist “high net worth” policies are often rated lower than standard home insurance because of the care owners take of their property. The more you can demonstrate your commitment to taking care of your assets through good security and risk management, the better proposition you are to an insurer.

Our expert advisers will help you protect your home without compromising its aesthetic value – and if you do need to make a claim, we’ll make sure it’s quick and easy. But some things of personal value simply can’t be replaced – we can also make sure you have the best chance of recovering stolen property.

Step up your security and save:

Investing in a combination of security and safety measures for your home is a sensible step both financially and emotionally. Our security advisers can help recommend the best solutions for you personally but as a starting point think about…

  • Locks – Don’t take it for granted that your locks are robust. Check that external doors have 5 lever mortice locks or the British Standard equivalent. Ground floor and any other accessible windows should also have key operated locks fitted.
  • Panic buttons – Consider placing these next to the front door and in the master bedroom for a discreet and easy way to instantly activate your alarm.
  • Advanced alarm monitoring – The most effective form of intruder alarm monitoring is BT Redcare. It monitors the telephone line 24/7 and can detect an attempt to compromise that connection. If you’re vulnerable to loss of telephone lines through bad weather or false alarms, the Redcare system can be supported by a dual technology system that combines telephone and radio signalling. Alarms can now be set automatically on leaving the house, avoiding issues with forgetting to set it.
  • Fire alarms – If your intruder alarm is linked to a central monitoring station, think about upgrading it to incorporate smoke detectors and trigger an alert to the local fire station too. The additional cost is minimal for the extra peace of mind. If you don't have a monitored fire alarm, use battery or electrically linked smoke detectors (also available wire–free). Consider fire blankets and extinguishers too.
  • Wiring – Faulty electrical wiring and appliances cause most fires in older properties. To reduce that risk in any building, all electrical installations should be checked by a qualified electrician every 5 years.

Unoccupied House Checklist

  • Only tell trusted people you are away
  • Join Neighbourhood Watch
  • Cancel milk and papers
  • Timer switches for lights
  • Use a house-sitter or ask a neighbour to call in regularly
  • Get mail cleared and grass cut
  • Keep valuable items in safe deposit
  • Tune a radio to a talk station – audible from outside
  • Put car keys in the safe or with a friend
  • Put a friend’s name on the baggage labels…but tell them!
  • Set a new alarm code for people looking after your property – don’t give them yours
  • Beware your lift to the airport – unscrupulous cab drivers are a source of intelligence for burglars!

More information:

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“All I can say is that I am taken aback with the speed and efficiency of both La Playa and AIG. The last thing one needs after an unfortunate incident is a "hassle" and aggravation with the insurance aspect. A VERY BIG THANK YOU”

David G, Private Client

 

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You can call us to talk more about your insurance on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Private Client

Specialist & Independent

La Playa's Personal Risk Concierge service means advice you can trust - from an expert who understands you:

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability with offices in London & New York

Independent and specialist
As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with market-leading high net worth insurers.

In-house Wealth Management
We see insurance as integral to your financial planning - and our in-house financial advice team provides Wealth Management, Pensions and Financial Planning; a joined up approach with a team of advisers working for your best financial interests - all under one roof.

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. A dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

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