Private Clients

Insuring individuals with high-value homes and contents requires a distinctive approach.
At Miles Smith, we tailor insurance to meet our clients' individual needs.

Our specialist private clients team takes the time to understand your risks before arranging an insurance programme bespoke to you.

The advantage of working with Miles Smith is that we arrange all your insurance cover for you. So as well as your home, we can arrange cover for fine art, jewellery, performance cars, yachts, holiday homes and other high-value items, creating a policy to protect you against the many risks you face as a high-net-worth individual.

    We protect what's valuable to you

  • Property
  • Watches & jewellery
  • High value & classic cars
  • Wine
  • Art & antiques

Understanding your unique requirements

We know that you have worked hard to build a lifestyle and an environment that you, your family, and those closest to you can enjoy. We understand that protecting and maintaining that lifestyle is incredibly important. We work with a panel of expert insurers to ensure that your family, property and possessions are protected.

Miles Smith have many years of experience working with high-net-worth individuals, so we are aware of the risks you face, and are experts in arranging cover to protect you from those risks.

What we cover

Homes and estates No matter how many homes you have, and where they are located around the world, we can arrange cover for them, as well as provide advice on protection and security measure that mitigate your exposure to risk.
Worldwide contents The cover we can arrange will protect your high-value items no matter where they are in the world, so you can be safe in the knowledge that your precious possessions are protected.
Collections Whether you have a vintage wine collection or a prized collection of coins, we work with you to assess their value and offer insurance solutions to protect them.
High performance and high value cars If you have vehicles of significant value, you want to make sure your investment is protected. Our policies have been developed to offer the highest level of protection for your performance vehicles.
Pleasure craft Many of our clients keep yachts and boats. We work with you to ensure they are protected for all eventualities.


Year of establishment


Customer retention rate


Largest claim settled


Over 300 private client customers

Some of the risks you face as a wealthy individual

What makes us different?

One of the most fundamental differences between a standard insurance product and the type of bespoke all- encompassing coverage provided by Miles Smith is the degree to which we engage with the client to protect their lifestyle.

We use our technical expertise, our significant experience of this market and our mass of claims data to analyse every aspect of a client’s lifestyle and their specific risks. Once we’ve gained an intimate understanding of their risk profile – in part through a physical appraisal conducted by one of our team – we offer advice and guidance. And even if, after all our efforts, our client needs to make a claim, we handle it quickly and with care.

The appraisal is vital for several reasons. It allows us to value assets accurately so that, should a claim be made, the replacement value of the item has been agreed in advance, hence no delays or unpleasant surprises.

    Unique Risk appraisal process for what matters to you

  • A reinstatement cost assessment ensures your valuable items are suitably covered if they are stolen.
  • A review of your current level of covers to ensure there are no gaps in insurance and you are not underinsured.
  • A security assessment, ensuring you have the right level of protect in your homes.
  • An assessment on how severe weather, such as storms and floods, could affect your property and contents, including valuable collections.

Test Case Study

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Read the whole case study
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Can you cover my property outside of the UK?

Our policy can cover holiday homes throughout the world. We will work with you to understand the unique risks in the country where your holiday home is before creating cover that keeps your holiday home protected.

Can you create one policy for all my contents?

Yes, we can. Our process involves a thorough appraisal of all your contents, whether that’s a fine art collection or prestige cars, before creating a bespoke policy that is designed just for you.

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