When you own a luxury property, a standard home insurance policy just doesn’t go far enough. If you live in the high end parts of North London, Barnet, Hadley Wood, Hampstead or Totteridge, there’s a strong chance your home, its contents, and your lifestyle exceed the limits of traditional cover.
That’s where Goldcrest Insurance comes in.
We are an independent insurance broker based on the High Street in Barnet, and we’ve been serving clients since 1975. Over the decades, we’ve built our reputation on trust, personal service, and deep product knowledge. We understand that high value properties require high quality protection, and that each client’s needs are unique.
Unlike online comparison sites or call centres, we don’t offer a one size fits all solution. We work exclusively and independently with carefully selected insurers who specialise in high net worth policies, and we take the time to match you with cover that’s bespoke, discreet, and built around your lifestyle.
You may already know that we provide buildings and contents insurance with generous single item limits, index linked cover, and exceptional claims support. But many of our clients are pleasantly surprised by what’s also included, often at no extra cost.
Here are some of the lesser known features that make high net worth policies arranged through Goldcrest genuinely different:
1. Worldwide ‘All Risks’ Cover
Most standard home insurance policies only protect your belongings while they’re at home. But our clients are frequently on the move, whether that’s travelling for business, relaxing on holiday, or dividing time between multiple residences.
That’s why many of our high net worth policies offer ‘all risks’ worldwide cover for items such as fine jewellery, designer accessories, electronics and luxury watches.
Lost your engagement ring in the Maldives? Damaged your designer handbag in New York? You’re still protected, with the same confidence and clarity you’d expect if the loss happened at home.
2. Employers’ Liability
If you employ staff in your home, whether that’s a nanny, housekeeper, gardener or chauffeur, UK law requires you to have employers’ liability insurance.
Unfortunately, many homeowners only discover this after a problem arises. Our high net worth clients don’t have to worry. This essential cover is included as standard, ensuring you’re protected against costly legal claims if a member of your domestic staff is injured or becomes ill while working in your home.
3. Family Legal Protection
Even in the most organised households, disputes and legal issues can arise. Our policies often come with legal expenses cover, giving you and your family access to expert legal advice and representation for a wide range of scenarios, such as:
- Neighbour or boundary disputes
- Employment related claims from domestic staff
- Identity theft and cybercrime
- Disputes over purchases or services
- Property damage claims
With this support in place, you can navigate life’s challenges more easily and confidently.
4. Home Emergency Assistance
Burst pipe at 2 a.m.? Boiler breakdown in the middle of winter?
Home emergencies can be disruptive at the best of times, especially if you have a large property or a listed building that needs specialist repair. That’s why many of our policies include 24/7 home emergency assistance, ensuring you can get rapid help from qualified professionals when something goes wrong.
This feature offers peace of mind for clients with busy lives, second homes, or multiple properties to manage.
5. Annual Family Travel Insurance
If your family takes multiple trips per year, constantly arranging individual travel insurance can be a headache.
That’s why many high net worth policies arranged by Goldcrest include annual family travel cover. This extends to medical emergencies, trip cancellations, lost luggage, and more, so you can focus on enjoying your time away, knowing your travel protection is already in place.
6. Protection for High Value Collections
Many of our clients own rare and valuable collections, such as:
- Fine art
- Wine
- Antiques
- Luxury watches
- Rare jewellery
These are more than just assets, they’re personal treasures. We work with insurers who specialise in agreed value cover, ensuring that your items are properly valued and protected. Whether your collection is stored at home, in secure storage, or displayed elsewhere, we’ll help tailor a solution to safeguard its full value.
Why High Net Worth Insurance Really Is Different
Standard home insurance simply isn’t built for high value homes and lifestyles. It can restrict single item values, impose tight limits, and offer inflexible cover.
At Goldcrest, we do things differently. A high net worth policy is more than just higher limits, it’s a flexible, intelligently designed plan that reflects the way you live. We go further by offering:
- In person risk assessments at your property to help tailor your policy
- Annual policy reviews to adjust for inflation, renovations, and new acquisitions
- Access to a wide panel of specialist insurers, we’re not tied to one provider
- A personal, professional service with discretion at its heart
We know our clients value peace of mind, not paperwork. That’s why we make insurance feel simple, transparent, and secure.
Why Goldcrest Insurance?
At Goldcrest, we’ve been protecting high value properties and their owners for over 40 years. We are proud to be a family run, independent broker with deep roots in Barnet and North London.
We’ve built long term relationships with many of our clients, some of whom we’ve looked after for decades. Whether you’re a successful professional, a business owner, a property investor or a high profile individual, you can rely on us for clear advice, tailored cover, and total discretion.
Our services go far beyond what’s found online. We don’t deal with call centres, and neither should you.
Speak to Our Experts Today
If you live in a luxury home or own valuable possessions, let’s have a conversation about how best to protect them. Whether you’re looking to review your current cover or explore options for a new property, we’re here to help.
Call our Barnet office on 020 8440 7400. Or request a callback via our online form: Get a Quote
