Amethyst - All Risks Mid Net Worth Home (ROI)
Amethyst (ROI) is a worldwide "All Risks" Mid Net Worth home insurance policy available in the Republic of Ireland.
Amethyst has a flexible underwriting appetite, few limitations, high policy limits and a host of special cover extensions. It is designed for all clients with contents from €75,000 to €150,000 (for contents over €150,000 please visit our Premier product pages).
Worldwide, "All Risks" cover for:
- Buildings
- Contents
- Fine Art
- Valuables
Additional inclusive cover for:
- Your liability as Owner and/or Occupier
- Your liability to Domestic Employee(s)
- Home Emergency
- Legal Expenses
- Identity Theft
- Cyber
Quote request
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Here at Plum we’re committed to supporting brokers. To helping you win and retain profitable business. Amethyst is an important part of us delivering on that commitment. It’s a worldwide, all risks policy which rivals any other "all risks" product available to brokers.
Like all our specialist home insurance products Amethyst is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it is supported by our responsive, top quality service. So when you choose Amethyst, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.
*Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to the Amethyst policy wording.
Amethyst rivals any worldwide all-risks Mid Net Worth product available to brokers. There is no minimum commitment and competitive rates of commission apply.
What's more, we'll be flexible with our underwriting and appetite as long as the sums insured qualify.*
Five good reasons to choose Amethyst:
Service – Instant binding quotes available via the Plum Online Portal for more standard risks, supported by access to our Private Client team of experienced senior underwriters for more complicated risks.
Cover - Amethyst is a worldwide all risks policy which can compete with any mid-net- worth product available to brokers. You can choose Amethyst for your private clients with confidence.
Price - As well as providing comprehensive cover, we’ve ensured that Amethyst is competitively priced so that an Amethyst quote will not only assist you in retaining existing clients but help you win profitable new business too.
Security - Underwriting capacity for Amethyst is provided by Lloyd's, the world’s leading insurance market.
Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. Amethyst is further evidence of our strong commitment to backing brokers.
*Complex risks which require flexible underwriting may have cover amended, removed or special terms applied to help us aim to provide a quotation whatever the circumstances.
Cover is provided on a worldwide "all risks" basis for the buildings and contents, so unless the policy specifically excludes a peril, the client is covered.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
Buildings
| Cover | Limit |
|---|---|
| Standard excess | €250 |
| Standard subsidence excess | €1,000 |
| Extended Replacement Cover | 125% of building sum insured (following valuation/appraisal) |
| Trace and access | €15,000 |
| Loss of Rent | Payable for up to 24 Months |
| Alternative accommodation | Payable for up to 24 Months |
| Fatal Injury Benefit | €25,000 |
| Emergency Entries | €5,000 |
| Loss of metered Water, Oil or Gas | €2,500 |
| Reward | €10,000 |
Contents
| Cover | Limit |
|---|---|
| Standard excess | €250 |
| Extended Replacement Cover | 125% of contents sum insured (following valuation/appraisal) |
| Alternative Accommodation & Loss of Rent | Payable for up to 24 Months |
| New acquisitions | Up to 25% of contents sum insured |
| Pedal cycles | €5,000 |
| Fridge and freezer contents | Up to contents sum insured |
| Replacement locks | Unlimited (no excess) |
| Loss of personal electronic data | €5,000 |
| Loss of personal documents | €5,000 |
| Students and boarders possessions | €5,000 |
| Care home cover | €10,000 |
| Golfer's extension | Includes third party damage, 'Hole in One' cover and hiring golf clubs overseas |
Valuables
| Cover | Limit |
|---|---|
| Standard excess | €250 |
| Unspecified single item limit | €5,000 |
| New possessions | Up to 20% of valuables sum insured |
| Defective title | Up to €25,000 |
Fine Art
| Cover | Limit |
|---|---|
| Standard excess | €250 |
| Unspecified single item limit | €15,000 |
| Death of artist | Up to €100,000 |
| Defective title | Up to €50,000 |
| New possessions | Up to 20% of fine art sum insured |
Automatic special extensions
| Cover | Limit |
|---|---|
| Home Emergency | €500 |
| Identity Theft and Legal Expenses | €100,000 |
| Cyber | €50,000 per policy period |
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
Feedback
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here.