Sorry, coming into this a bit late but thought you'd like to know we deal with J R Clare a lot. Like all insurers they are sometimes good and sometimes not so good on claims but having a decent insurance broker helps. They are pretty competitive compared to other mid and high net worth insurers. Their policy compares well with others such as Hiscox, Oak etc.

By the way, don't know why the other person told you to go to contact us page on their website: they only deal with Lloyds broker, not the public.

Saw the thread to which I believe you are referring, 'the listed wall'. Did the wall collapse because it was in disrepair or as a result of repeated flood?

About 20 years ago I owned a leasehold flat in a Victorian building which was having subsidence issues. The insurance dispatched their loss adjuster to inspect the damage and a reply was received from the insurers as a response to our claim.

The letter containing a single sentence reply which still echoes in my mind.

The damage to the building pre-dates the inception of the policy

They eventually repaired everything but it took a total of 5 years from the moment the 1st correspondence was sent.

Cheers

willmington:

Many thanks for the reply. I will give those a shot.

Someone also mentioned Oak as a possibility. Any thoughts on that one?

Cheers

Oak write business on behalf of Brit and Chaucer according to their site.

I would stay clear as another poster to this site is having major problems in getting Brit to pay out for a claim and is going to the FOS.

You could aslo try your local office of NFU Mutual who may be able to offer you a suitable policy for a competitive price. NFU are also highly regarding by their customers.

Huckster

Many thanks for the reply. I will give those a shot.

Someone also mentioned Oak as a possibility. Any thoughts on that one?

Cheers

willmington:

They are a mid/high networth brokers that I have not heard that much about. The only broker that I know that holds an agency for them, does not use them that much. Why? If they don't use them, this might suggest that they would prefer to place there business with other companies.

The company have only been around since 1999 according to their website, which might suggest that they don't have a huge portfolio of customers, therefore there would be little feedback positive/negative online.

If you are looking for mid/high networth risk coverage, Chubb and Hiscox are highly rated by customers, but their premiums can be a little on the high side.

Huckster

Many thanks for your reply. I would however prefer to hear from somebody who has actually used them.

Has no one in this forum subscribed to their buildings &/or contents insurance who can offer an opinion.

Cheers

1,2 and 3....Use the contact us facility on their site, you can't beat hearing it from the, Horses mouth. !

http://www.jrclare.co.uk/contact_us.php

My buildings & contents insurance is due soon and JR Clare came up as one of the cheapest quotes.

I have never heard of this insurer but understand that they fall into the category of Mid / High Net Home Insurers. In the first instance is this correct please?

Wonder if I may also ask the following questions

1. Can anyone provide me with any further info/details on JR Clare.

2. How does JR Clare stack up not just as regards smaller contents claims but in respect of wider/more expensive issues such as subsidence / storm damage, or other such issues.

3. As regards the buildings insurance [or indeed contents], is there anything that is unusual in terms of restrictions or other conditions/exclusions. I am planning on reading the full T&Cs.

Any info much appreciated

Cheers