© Andrea Rugg / Getty Images


Our “all-risks” cover ensures you can replace lost or damaged contents on a new-for-old basis.

No matter where your possessions are in the world, they’re protected.

Whether you’re at home or away, the clothes you wear, the furniture you sit on, the toys your children play with and the appliances you use to make dinner are all valuable possessions you need to live your daily life. They’re valuable to you, and to us.

With GrovesJohnWestrup Private Clients Contents “all risks” cover, you can replace your damaged or lost contents on a new for old basis, with no depreciation for wear and tear. Your contents may be in your home, car, suitcase, hotel room or anywhere else in the world. They’re still covered. In addition, you’ll benefit from these cover highlights:

Extended Replacement Cover
If it costs more to replace your damaged or lost contents than your sums insured, we’ll pay anyway. That’s because we provide extended replacement cover for up to 150% of the sum insured so you don’t have to worry about being underinsured.
E-bikes and E-scooters
If your e-bike or e-scooter is damaged or lost anywhere in the world, we’ll pay to replace it.
Security Upgrades
If you are a victim of a physical criminal assault in your home, we want you to feel safe again, so we will pay up to £25,000 toward the cost of upgrading your alarm and security systems.
Damage by Pets
If your domestic pets chew, scratch, tear or foul your belongings, we’ll pay up to £10,000 to repair or replace them.
New Acquisitions
We automatically cover new items you have purchased or been given for 90 days, and for up to 25% of the contents sum insured, so you don’t have to worry about getting cover for them immediately.

What if a burst pipe turns your wardrobe into a flood zone?

What if a burst pipe turns your wardrobe into a flood zone?
© TerryJ / Getty Images
If a pipe bursts in your upstairs bathroom and the water floods your large walk-in wardrobe, damaging not only expensive wallpaper, but clothing, shoes, and accessories, your cover would pay to replace it all, regardless of age, with new ones of the same brand and style.

What else may be covered?

Besides the cover highlights described above, the following would also be included as part of GrovesJohnWestrup Private Clients Contents cover:
  • Pairs and sets
  • Increased costs of your home office business due to covered damage or loss
  • Gifts you’ve purchased but haven’t given yet
  • Unauthorised use of credit cards
  • Money 
  • Replacement locks
  • Contents of your guests or domestic employees
  • Contents of family in residential care
  • Contents in storage
  • Payment if you hit a hole-in-one in an official golf competition
  • Home upgrades to prevent water damage. 

Protect what you use, wear, and need every day

Learn how you can protect your contents, whether they’re in your home or anywhere else in the world, with GrovesJohnWestrup Private Clients Contents cover, by calling our Concierge Desk Service by telephone at +44 (0) 207 661 1180.