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# Castleacre Insurance: Private client insurance brokers, United Kingdom

## Sitemaps
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## Posts
- [Suffolk Preservation Society Launches Grant to Support Disappearing Crafts](https://www.castleacreinsurance.com/suffolk-preservation-society-launches-grant-to-support-disappearing-crafts/): As a long-standing supporter of The Suffolk Preservation Society Castleacre Insurance were delighted to learn that the charity, which is part of the wider CPRE organisation, has launched a grant scheme to help people who are working in traditional Suffolk crafts - from pargetting and thatching to flint napping and brick-making.
- [A Strategic Approach to a Family Private Health Policy led to a saving of 53%](https://www.castleacreinsurance.com/53-saving-on-private-health/): We are always happy to review and review your existing private health policy and advise on what are the best options for you and your family so do contact us
- [Castleacre Saved £5,000 on Private Health Insurance](https://www.castleacreinsurance.com/save-on-private-health-insurance/): For many people, the value of Private Health Insurance becomes most apparent when they need to make a claim. However, successful claims can often result in significantly higher renewal premiums, leaving policyholders questioning whether their cover is still affordable.
- [Rosie Stancer’s Expedition along Saudi Arabia’s Ancient Trade Route](https://www.castleacreinsurance.com/expedition-along-ancient-trade-route/): The drive behind the Desert Trilogy expeditions was to attract international attention to environments that are now on the brink of habitability. In Part II of the trilogy, Rosie Stancer and her team looked at the challenges faced by communities of the Sinai Peninsula as a result of climate change. In Part I,  Rosie and Pom Oliver crossed one of the world’s newest deserts-the Aral Kum desert - to learn how this emerging man-made desert was impacting local communities.  Since her visit to the Aral Kum in 2021, Kazakhstan has successfully rejuvenated the shrinking Aral Sea and reversed desertification through strategic water management, undoing one of the world's worst man-made environmental disasters.
- [Heritage Tourism on the Rise: UK Historic Houses Welcome 21.3 Million Visitors](https://www.castleacreinsurance.com/historic-houses-rise-heritage-tourism/): Last week, Castleacre Director, Hugo Johnsen, attended an event hosted by Historic Houses exploring the latest data on UK historic houses visitor numbers and the wider outlook for the heritage sector as a contributor to the UK Economy.
- [The Art of Owning Two Addresses: Protecting Your Second Home with Precision](https://www.castleacreinsurance.com/insurance-for-second-home/): Buying a second home, whether it is a townhouse for quiet weekends, a coastal retreat, or a countryside escape, is rarely an impulsive purchase, but a thoughtful decision based on legacy, lifestyle, and long-term investment goals. Yet while the emotional value of a second home is unmistakable, its risk profile is altogether different from that of a primary residence. Protecting that investment requires foresight, structure, and specialist advice, and a standard insurance policy generally doesn’t fit the bill.
- [Landowners Welcome Government Revisions to Agricultural Property Relief – Easing Fears Surrounding Intergenerational Inheritance](https://www.castleacreinsurance.com/agricultural-property-relief/): In an announcement over Christmas, the Treasury unexpectedly revised proposals to change agricultural property relief and stated that from April this year, Inheritance tax will be charged at 20% (half the normal IHT rate of 40%) on agricultural or business assets valued at over £2.5million as opposed to assets valued at just over £1million.
- [Giving Between Generations – Gift Inter Vivos Insurance Can Protect Your Beneficiaries against an Unexpected Inheritance Tax Bill](https://www.castleacreinsurance.com/giving-between-generations-gift-inter-vivos-insurance-can-protect-your-beneficiaries-against-an-unexpected-inheritance-tax-bill/): One very straightforward way to pass property or assets to your children and reduce their inheritance tax burden is to gift money or property before you die – known as a Lifetime Gift or Gift Inter Vivos.
- [As Trustees Come Under Fire in High Profile Ragley Hall Court Case, What Protection Can Trustee Insurance Offer?](https://www.castleacreinsurance.com/trustee-insurance-in-family-dispute/): The trustees were accused of misconduct, leading to a stressful and costly court case. In the end, the court found in favour of the trustees, but as the UK becomes increasingly litigious, trustee insurance offers important protection.
- [Rented Moped Scams: Protect Yourself with Vehicle Insurance](https://www.castleacreinsurance.com/protected-vehicle-insurance/): For unsuspecting drivers, the impact can be substantial, leading to lengthy and complex disputes and escalating legal costs. If you cannot prove that the collision was deliberately staged, it can result in a very costly car insurance claim, which can also have a serious impact on the cost of future insurance premiums, particularly for the owners of luxury or classic cars, where insurance claims are likely to be much higher in the first instance. It demonstrates the value of having the right vehicle insurance in place and taking precautions to protect yourself.
- [5 Ways Life Insurance Can Help with Inheritance Tax Changes](https://www.castleacreinsurance.com/5-ways-life-insurance-can-help-with-inheritance-tax/): Tailored life insurance is one of the most adaptable and useful planning tools available to deal with Inheritance tax changes and with unused pensions also being brought into inheritance tax calculations from April 2027 forward planning is essential. Whether used to cover gifts, protect family assets, fund future inheritance tax bills or provide financial liquidity to your family, in the immediate aftermath of your death, life insurance can provide some certainty and flexibility in an uncertain tax environment.
- [How Life Insurance Can Help with Inheritance Tax Changes](https://www.castleacreinsurance.com/life-insurance-to-help-inheritance-tax/): The proposed changes, staggered over three-years, will lead to reductions in Business and Agricultural Property Relief, the incorporation of unused pension assets into deceased estates and the closure of the non-domiciled tax regime. As a result, many individuals who have never previously faced an inheritance tax liability may now find themselves caught by increasingly complex thresholds. With rising property values, expanding estates, and now a broader definition of what may be taxed, it is becoming a far more pressing issue for families across the UK. These staged reforms require forward-thinking and careful preparation to help reduce exposure and ensure that family wealth is preserved as intended.
- [Can the Installation of Renewable Energy Technology Have an Impact on Your Home Insurance?](https://www.castleacreinsurance.com/renewable-energy-technology-and-your-home-insurance/): High energy costs and environmental concerns have meant that more property owners are considering self-funding renewable energy solutions at home. For the owners of historic houses, listed properties, or homes within conservation areas, a complete transition to alternative renewable energy sources, or even a partial conversion is more problematic. Aesthetic considerations, planning issues and insulation all play their part but insurers can also have an impact on the difficulties. Underwriters often view renewable energy technologies, such as biomass boilers, ground, and air source heat pumps, and hydro or wind energy solutions, as being more unpredictable in terms of risk.
- [What Can You Do to Mitigate Storm Damage?](https://www.castleacreinsurance.com/as-storm-eowyn-approaches-what-can-you-do-to-mitigate-storm-damage/): Climate change experts predict an increase in the frequency of extreme weather events in the long term. Storm damage is unpredictable and often difficult to prevent but maintaining your property can help you limit the impact.
- [Castleacre Present Grey Partridge Conservation Award to Farming Brothers](https://www.castleacreinsurance.com/castleacre-present-grey-partridge-conservation-award-to-farming-brothers/): We have always enjoyed our involvement with this East Anglian award over the years. It never fails to amaze me how passionate farmers and landowners are in this region about protecting our native species -  Richard and Andrew Ramply are deserving recipients. They have been very proactive in looking at how they can improve the land they farm for the native Grey Partridge and it has undoubtedly paid off. They are conscious about the environment as a whole and whether farming on their own land in Cambridgeshire or on contracted land they take a sensitive management approach; they do of course like every farming enterprise keep a firm eye on the bottom line but they are determined to preserve and improve biodiversity where possible.
- [Insuring High Value Cars and High Performance Cars](https://www.castleacreinsurance.com/insuring-high-value-cars-and-high-performance-cars/): We explore some of the main areas for consideration when buying and insuring high value high performance cars. Top Ten Tips 1. Trackers Does the vehicle you want to insure already have a tracker or will you need to install one? Expensive cars are vulnerable to theft and while some insurers will fit a tracker as part of their service others will ask owners to put this in place themselves. Insurers are now really tightening up on trackers and it is not enough to have one fitted they will often specify the type of tracker required and evidence that they have been properly maintained - if a tracker isn't maintained professionally a theft claim could be invalidated. 2. Main Driver Experience If you have no experience of owning or driving a vehicle with a powerful engine spec you may have problems finding insurance.  For example, most insurers won’t cover a 25 year old who has changed from a Ford Focus ST to a Lamborghini Aventador V10 overnight.  Insurers are happier to take on a risk if they know you have driven something of a similar performance level previously  – this is not based on value but engine handling experience, and so if you have driven a lower-value car with a powerful engine this will be considered. 3. Overnight Garaging Do you have a secure place to keep the vehicle overnight? Most insurers will understandably stipulate that high-value vehicles are kept in a locked garage, so if you live in London and plan to street park your car, you are unlikely to obtain cover although an insurer may be willing to take on the risk if it is on a private gated driveway. 4. Additional Drivers Who else will be driving the vehicle? Although insurers are particular about the experience of the main named driver most will offer cover for any additional driver over 30, regardless of previous experience or driving history. This is particularly useful for anyone who moves their vehicles around a lot, and who might need employees to assist them with this (say for example a PA taking his boss’s Audi R8 for its annual MOT whilst the client himself is out of the country). It is important to declare to the insurer exactly who will be using your vehicle and their age otherwise cover can be invalidated. 5. Track Driving If you plan to get the most out of your vehicle with some track driving experience you should check with your insurer in advance – very few insurers offer this type of cover because of the risk involved when pushing a vehicle to its limits. Currently we are only aware of a handful of  insurers who offer track day cover. This is particularly important for any car collectors who like to get full enjoyment out of their vehicles. 6. Like for like Car Hire Not all insurers will offer like for like vehicle hire if you do have to take your car to a garage for repair, or need a courtesy vehicle in the event of total loss. You may be the type of Aston Martin owner who doesn’t mind driving a Ford Mondeo whilst your vehicle is in the workshop but if you would rather drive a comparable car to the one you own make sure you read the small print of your policy before you sign. 7. Agreed value For owners of high-value cars (particularly classics) a policy which offers an agreed value in the event of a major claim makes the most sense and can help ensure you don’t lose thousands of pounds if you are unlucky enough to face a total loss. If you ask the best insurers in this market for an agreed value in advance, they will offer it at no additional cost. 8. Mileage Insurers will often ask how much mileage you intend to do over the course of the year and this can make a big difference to your premium. There is no point insuring a vehicle for 10,000 miles per annum if it is only used for the weekend trip to town when the sun is shining.  The lower the MPA, the more competitive the premium will be. 9. Expertise It is always a good idea to place a high-value vehicle with an insurer who really understands the complexities associated with these cars. These insurers offer important additional benefits – such as allowing the client to choose their own garage for repairs, regardless of cost. A claim from a fairly minor incident that we looked after for a client resulted in a significant repair bill. Why? Because the rarity of their vehicle meant that only one garage in the country was able to handle it. The insurer was happy to arrange this for the client to ensure that the vehicle was repaired to the highest standard. 10. Keys Finally don’t forget the often overlooked benefit of Key Cover. Keys on standard cars are becoming increasingly expensive to replace and many non-specialist insurers do not offer this cover as standard. For anyone with a high value vehicle key replacement costs can be astonishingly high, for instance replacing a BMW i8 touch screen fob costs of a minimum of £1,000+VAT.
- [Insuring Listed Buildings](https://www.castleacreinsurance.com/insuring-listed-buildings/): In complete contrast to modern buildings the re-build cost of a listed building often far outweighs the market value of a property; despite this many owners still base their insurance value on the mortgage value of a property (usually the minimum insurance requirement for a modern building).  Others will turn to the Royal Institute of Chartered Surveyors’ Building Costs Information Service.  While the BCIS estimates are generally accurate they are calculated to meet modern standard construction costs so they are not suitable for older non-standard construction.  In fact the BCIS has stated that ‘ Houses which are not of modern materials and are required to be reinstated exactly are outside the scope of the guide ‘
- [Protecting a Renovation Project – Don’t rely on your Contractor’s Insurance](https://www.castleacreinsurance.com/protecting-a-renovation-project-dont-rely-on-your-contractors-insurance/): Renovation or Building Work policies cover your existing property, works, your liability as a homeowner and, on a joint names basis, both yourself and the contractor if required - this means you are unlikely to experience long drawn-out disputes if something goes wrong. If you live on a terrace, own a semi-detached house or have neighbours in close proximity these policies can also be extended to offer a vital add-on, called 'non-negligence' cover.
- [As Building Costs Rise Rapidly What are the Risks of Underinsurance?](https://www.castleacreinsurance.com/rise-in-building-costs-and-risk-of-underinsurance/): If rebuild increases are not considered carefully at renewal there is a serious risk of underinsurance.
- [Targeted Thefts are Making it Difficult to Insure Luxury Cars in the Capital – What are the Solutions?](https://www.castleacreinsurance.com/luxury-car-insurance-dificulties/): The British Insurance Brokers Association (BIBA) has recently warned about the growing difficulty of finding insurers willing to offer stand-alone policies, not just for Range Rovers, but for a wide range of luxury vehicles owned by Londoners. Specialist policies for these vehicles are often expensive and sometimes limited in availability due to the high risks involved. For owners of high-value cars, obtaining comprehensive luxury car insurance has become as important as investing in the vehicle itself.
- [Castleacre Acquires Merritt Insurance](https://www.castleacreinsurance.com/castleacre-acquires-merritt-insurance/): Our team has grown to accommodate this expansion and now is an ideal time to acquire a broker business that shares a similar ethos to us. Under the leadership of Jonathan and Franky Merritt, Merritt Insurance have attained an excellent standing since they set up over a decade ago. When the opportunity arose to acquire Merritt, we knew instinctively it was a very good match for us because we both understand the importance of client led service.’
- [Protecting Your Building Project](https://www.castleacreinsurance.com/protecting-a-build-project/): Most household insurance policies will normally cover minor works to a private residence up to a reasonable limit, allowing homeowners to undertake small building projects without having to inform insurers - but large scale renovation and extension projects, which fall outside Standard Insurance, require a completely different approach.
- [An Innovative New Life Policy that helps Cover Care Costs in Later Life](https://www.castleacreinsurance.com/an-innovative-new-life-policy-that-helps-cover-care-costs-in-later-life/): Life expectancy has increased and most of us, as we age, will require social or nursing care. Care may start with just a few hours every week but can often escalate to a live-in carer or residency in a nursing or care home in the long-term.
- [Companies Can Feel Trapped in Soaring Private Health Schemes – Is there a solution?](https://www.castleacreinsurance.com/companies-can-feel-trapped-in-soaring-private-health-schemes-is-there-a-solution/): Many successful companies want to offer their employees extra benefits but smaller organisations are understandably frustrated by the cost of group private health schemes. This is because one serious claim can have a major financial impact on every member and place additional pressure on the employer.
- [Digital Dependency and the Cyber Threat](https://www.castleacreinsurance.com/cyber-threats/): Cyber threats, such as phishing, malware, denial of service and data theft can expose companies to:
- [Boats, Drones and Automobiles – What is covered on your Household Policy](https://www.castleacreinsurance.com/5275/): As they have become more affordable the popularity of drones, quad bikes and motorboats has increased alongside a myriad of other grown-up 'toys'; but what do you need to think about when insuring?
- [Castleacre Sponsor Aralkum Climate Expedition in advance of COP 26](https://www.castleacreinsurance.com/castleacre-sponsorship-of-aralkum-climate-expedition-in-advance-of-cop-26/): Castleacre were delighted to be amongst the sponsors of Rosie Stancer’s and Pom Oliver’s 600 km climate expedition crossing one of the earth’s youngest deserts – the Aralkum in Kazakhstan.
- [Celebrating Museums, Galleries and Country Houses Re-Opening: Ten Exhibitions to Visit this Summer](https://www.castleacreinsurance.com/celebrating-museums-galleries-and-country-houses-re-opening-ten-exhibitions-to-visit-this-summer/): As life is hopefully beginning to return to normal museums, galleries and country houses have re-opened their doors to the public again. There are a number of exciting long-term exhibitions opening and as most of us are probably facing a ‘staycation’ summer there is plenty to inspire across the UK .
- [How To Insure A Classic Car](https://www.castleacreinsurance.com/how-to-insure-a-classic-car/): If you own a classic car it generally makes sense to choose a classic car insurance policy but if you’re worried these specialist policies could be prohibitively expensive, it’s more affordable than you think.
- [How to Reduce Fire Risk in a Period Property](https://www.castleacreinsurance.com/how-to-reduce-fire-risk-in-a-period-property/): The rapid progress of fires at Notres Dame, the Glasgow School of Art and Windsor Castle and the difficulty in bringing them under control, will send a shudder down the spine of anyone who is responsible for a period building.  All these fires took hold while restoration projects were underway, which is when buildings are vulnerable to fire risk but the ferocity and speed of their progress also relates to their structure and materials. So how can you reduce fire risk in period property?
- [How vulnerable is your business to cybercrime and what can you do to protect it?](https://www.castleacreinsurance.com/how-vulnerable-is-your-business-to-cybercrime-and-new-criminal-social-engineering/): In 2016 the Annual Fraud indicator estimated that private sector businesses lost an estimated £144 billion in Britain through criminal fraud - it is something that all entrepreneurs and company owners, large or small, should take seriously as ever more sophisticated techniques are employed. Cybercrime, used either to maliciously disrupt email, data, and web services or fraudulently to extract confidential information or money, has become particularly widespread during the last 12 months of lockdown although the government reports that as incidences have increased the average costs to individual businesses has decreased because greater awareness has led to better security overall.
- [How to Avoid Escape of Water Claims – Understanding Potential Risks](https://www.castleacreinsurance.com/how-to-avoid-escape-of-water-claims-understanding-potential-risks/): Water damage that occurs within a building can be costly and time consuming to repair. While a rise in dramatic weather events have naturally impacted on flood claims, the number of insurance claims, due to ‘escape of water’ within the home, has also increased.
- [Listed Buildings: What You Need To Know Before Buying](https://www.castleacreinsurance.com/listed-buildings-what-you-need-to-know-before-buying/): There’s a lot of choice on the market for house buyers these days, whether it’s a new build property or something with a bit of history behind it. If you’re keen to invest in a period property, you’d be wise to familiarise yourself with listed buildings in general so you know what to expect from the buying process.
- [Protect your Home in the Winter](https://www.castleacreinsurance.com/protect-your-home-winter/): Here is how to help your house face the snow, ice, wind and rain:
- [Trusts are as Vulnerable to Claims as Trustees](https://www.castleacreinsurance.com/trusts-are-as-vulnerable-to-claims-as-trustees/): Find out more about Trust and Trustee Insurance by downloading our brochure Castleacre Guide to Trustee and Trusts Insurance
- [Risk and Renovation – How do you insure effectively?](https://www.castleacreinsurance.com/risk-and-renovation-how-do-you-insure-effectively/): Protecting your property effectively while building works are going on is essential but how can you be certain that you are fully covered if the worst happened?  Castleacre has been helping Country Life readers navigate their way through renovation and risk and discussing some of the pitfalls for homeowners and why relying on a contractor’s insurers is not advisable…Read article
- [Museum Security](https://www.castleacreinsurance.com/museum-security/): Paradoxically the high profile nature of recent thefts and the public reporting has helped museum security in some instances -shared intelligence has improved within the museum community and has been reinforced with dedicated policing and preventative work by organisations like the Art Loss Register. This improvement in communication has had a knock on effect for even the smaller independent museums and galleries who are more aware of current risks, as a result many have improved security. Thankfully the costs of providing wider CCTV camera coverage, better alarm systems and secure displays, have diminished and museums can now pinpoint more vulnerable objects enabling them to be more responsive to threats.  On the other hand, though improved technology and communication have enhanced security protection in some areas, this has to be balanced against an economic environment which has forced reductions in front line staff, and many organisations would argue that this is an area of vulnerability. Of course while security is a priority, a museum’s primary function is to improve the experience of visitors by allowing greater access to their collection and this of course can make objects not only more susceptible to theft but also to damage.  Probably the biggest change within the museum world from an insurance perspective is the risks associated with increased commercial activity and public access. Many organisations have had to undertake a more commercial approach to survive - this can mean anything from opening a museum shop or restaurant to hosting a whole range of corporate/public events. 
- [COVID 19 and Business Interruption Claims](https://www.castleacreinsurance.com/covid-19-and-business-interruption-claims/): Some business owners who assumed their business interruption cover would protect against losses due to the COVID 19 pandemic were disappointed to learn from their insurer that they were not covered - even if their policy had a disease clause (infectious or notifiable diseases) and a non-damage denial of access clause (such as public authority closures or restrictions).
- [COVID 19 and Travel Insurance](https://www.castleacreinsurance.com/covid-19-and-travel-insurance/): Check the Foreign and Commonwealth Office guidance notes on travel as this will offer the most up-to-date information on this virus and the health risks. The FCO travel advice is used by insurers and does have an effect on cover.
- [What do you need to consider when you are insuring fine art?](https://www.castleacreinsurance.com/what-do-you-need-to-consider-when-you-are-insuring-fine-art/): Castleacre Director Guy Everington has been advising Country Life readers on considerations when insuring Fine Art from a single painting to larger collections. We explore some of the important advantages of using a specialist fine art policy to protect your collection in Country Life this month.Find out more
- [The Importance Of Scheduled Monument Consent Revealed](https://www.castleacreinsurance.com/the-importance-of-scheduled-monument-consent-revealed/): Private owners of listed and historic buildings would certainly be wise to make sure they seek the necessary approvals required for making changes to their property or they could find themselves hit with very substantial fines indeed.
- [What To Consider Before You Invest In Art](https://www.castleacreinsurance.com/what-to-consider-before-you-invest-in-art/): Purchasing art can be an exciting and hedonistic experience; whether you’re investing in your first piece, or you are an established collector there are many things to consider before buying, including making sure your newest fine art addition is correctly insured.
- [Dresden Green Vault Targeted In High-Value Heist](https://www.castleacreinsurance.com/dresden-green-vault-targeted-in-high-value-heist/): If you’re wondering why you need to invest in art gallery insurance, you need look no further than the events this month at Dresden’s Green Vault, where the biggest museum heist in Germany since the second world war has taken place.
- [East Anglia Grey Partridge Conservation Award Goes to Suffolk School Teacher](https://www.castleacreinsurance.com/east-anglia-grey-partridge-conservation-award-goes-to-suffolk-school-teacher/):   Adam Steed (centre) receiving the Castleacre GWCT East Anglian Grey Partridge Conservation Award, presented by Dr Roger Draycott (GWCT - left of photo) and Hugo Johnsen Director Castleacre Insurance (right) (Photo Courtesy of the East Anglian Daily Times)     
- [Making Sure You Are Covered for European Travel](https://www.castleacreinsurance.com/making-sure-you-are-covered-for-european-travel/): If we leave with a withdrawal agreement in place there will be a transition period when the EHIC card will still be valid - this period is currently from the 29 March 2019 to 31 December 2020 to complete negotiations on future UK-EU relationship. During this time, all EU law would apply in the UK, so that British citizens would have exactly the same rights and guarantees as before.
- [Classic Cars – How to get the best from your insurance](https://www.castleacreinsurance.com/classic-cars-how-to-get-the-best-from-your-insurance/): Most classic car policies are based on the assumption that the vehicle will not be used for every day commuting, school runs etc, limiting the risk to just “social domestic and pleasure purposes”. Insurers will usually check by confirming that the owner has a more practical every day vehicle for their daily routine but if you do enjoy driving your car to work tell your broker, who will try and find a policy which will allow you to use your vehicle more regularly.
- [Sixty Second Interview with V & A Museum Curator –  Dr Heike Zech](https://www.castleacreinsurance.com/sixty-second-interview-with-v-a-museum-curator-dr-heike-zech/): Read more about the Rosalinde and Arther Gilbert collection at the Victoria and Albert Museum
- [Can You Change Health Insurance with a Pre-Existing Medical Condition?](https://www.castleacreinsurance.com/can-you-change-health-insurance-with-a-pre-existing-medical-condition/): Many people will keep their private health policy with the same insurer even though they don’t feel that their loyalty is rewarded with competitive renewal premiums. One of the main reasons why people don’t consider moving a health policy to find a better deal, is because they are concerned about losing cover for pre-existing medical conditions.
- [International Fine Art Professionals Gather for Art Business Summit](https://www.castleacreinsurance.com/international-fine-art-professionals-gather-for-art-business-summit/): The Art Business Summit, now in its second year, has been driven by lawyer, Rosanne McDonnell, who after many years of working within the Fine Art sector, realised the value and importance of sharing information, and the experiences of fellow professionals within the Art Market.
- [Renovation or Extension? –  Talk to Your Insurer or Broker](https://www.castleacreinsurance.com/renovation-or-extension-talk-to-your-insurer-or-broker/): Whenever you plan building work talk to your broker or insurer because if the work involves major renovation, structural change, the addition of new buildings or reduced occupancy during works, cover can be restricted under many building and contents policies - for example all damage caused by the builder might be excluded in these circumstances if you have not contacted your insurer in advance.

## Pages
- [Museums Seminar 2016 – How to Survive and Prosper](https://www.castleacreinsurance.com/museums-seminar-london-2016/): The seminar is an opportunity to meet museum professionals who have been faced with the challenging task of making their museum viable in an austere economic environment. It will also be a chance to learn about real experiences as they reveal their trials and triumphs.
- [Castleacre Case Histories](https://www.castleacreinsurance.com/insurance-brokers-about-us/casehistory/): A well-known Bond Street jewellers recommended us to one of their clients, who explained that he had already asked for two other quotes from HNW brokers but neither had taken the time to go and see him.  His predicament was that he had told the other brokers he had no contents of value except for a single high-value engagement ring.  On meeting with the client, we ascertained that just to replace his and his fiancée’s wardrobe would cost more than £30,000 but we also discovered additional high-value contents during this visit.
- [Museums Seminar 2017- Acquire and Inspire](https://www.castleacreinsurance.com/museums-seminar-2017/): The seminar is sponsored by Bonhams, Ecclesiastical Insurance and Castleacre Insurance and will be held at the Bowes Museum in Co Durham. Delegates will also be able to enjoy an exclusive talk and tour by the museum’s curator, Dr Jane Whittaker.
- [Complaints Process](https://www.castleacreinsurance.com/complaints-process/): Complaints procedure Operated by Castleacre Insurance (Services) 
- [Careers](https://www.castleacreinsurance.com/insurance-careers/): If you are looking for a role where your expertise is valued, your curiosity is encouraged and your work truly matters to the people you serve, Castleacre offers a rare and rewarding careers path.
- [Links](https://www.castleacreinsurance.com/links/): Invitation to View organises visits to some of East Anglia’s most interesting privately owned historic houses.
- [How To Find Us](https://www.castleacreinsurance.com/castleacre-insurance-how-to-find-us/): Whether you’re based in London, Suffolk or anywhere across the UK, you’ll find it easy to reach out, simply call or email and a dedicated advisor from Castleacre Insurance will guide you through the process. Our team are always ready to discuss your needs in detail. At Castleacre Insurance we pride ourselves on providing a personal, responsive service - with direct access to a senior broker, clear guidance on cover, and support whenever you need it.
- [HOME – Full Image](https://www.castleacreinsurance.com/): NO ORDINARY BROKER NO ORDINARY INSURANCE EUROPE UNITED KINGDOM
- [Guy Everington](https://www.castleacreinsurance.com/our-team-castleacre-insurance/guy-everington/): Guy has worked in the insurance profession for over twenty years, initially in the London Insurance market as a broker and subsequently as a Lloyd’s Members’ Agent.  Having spent six years creating a specialist Private Client division for a UK Insurance broker he set up Castleacre with Hugo Johnsen in 2005.
- [Matthew Edwards](https://www.castleacreinsurance.com/our-team-castleacre-insurance/matthew-edwards/): Matt has spent nearly 20 years working in management roles within the insurance and logistics sectors. His strong problem-solving abilities and excelllent communication skills have been an invaluable asset to the teams he has managed. His experience within the insurance industry has been primarily focused on providing personal insurance and his market knowledge and ability to address complex risks are ideal qualifications for his new broker role at Castleacre. Matt is working towards his Cert CII insurance qualifications.
- [Chris Waters](https://www.castleacreinsurance.com/our-team-castleacre-insurance/chris-waters-2/): Chris first gained experience within the insurance market as an advisor dealing with sales and amendments to Telematics Motor insurance policies for consumers before becoming a team leader. He then moved onto a small brokerage dealing with Home and Motor Insurance. Chris is currently working towards his Cert CII and is hoping to continue his progression further once achieved
- [Nina Martin](https://www.castleacreinsurance.com/our-team-castleacre-insurance/nina-martin/): Nina joined us as a full-time administrative assistant in 2024 - bringing formidable organisational skills and a positive approach to the Castleacre team.
- [Victoria Shepherd](https://www.castleacreinsurance.com/our-team-castleacre-insurance/victoria-shepherd/): Victoria joined the Castleacre Insurance team in 2019 to provide administrative support to our clients and their advisors. A trained professional artist with a Masters in Fine Art her background has predominantly been in the publishing and fine art sectors. She is used to a busy and pressurised environment with more than 10 years of experience as Picture Editor of Decanter Magazine and has brought her impressive organisational skills to her new role.
- [Natasha Kissonerghis](https://www.castleacreinsurance.com/our-team-castleacre-insurance/natasha-kissonerghis/): Marketing and Social Media- Castleacre Insurance UK, Ireland and Europe
- [Chantal Haddon](https://www.castleacreinsurance.com/our-team-castleacre-insurance/chantal-haddon/): Marketing and Press - Castleacre Insurance UK, Ireland and Europe
- [Jules Duhamel](https://www.castleacreinsurance.com/our-team-castleacre-insurance/jules-duhamel/): After completing a degree in Accounting & Finance, Jules spent eight years working for a claims management organisation, firstly as an Assistant and then later as a Team Leader managing payments to suppliers and repairers, dealing with client monies and compiling month-end financial claims for a number of insurance companies. Jules is currently working towards his ACCA qualification.
- [Julie Sellek](https://www.castleacreinsurance.com/our-team-castleacre-insurance/julie-sellek/): Julie Sellek spent 25 years working in the banking industry looking after both personal and business clients. She joined Castleacre in 2007 and is responsible for managing all day to day finances including client and business accounts.
- [Robert Greenwell](https://www.castleacreinsurance.com/our-team-castleacre-insurance/robert-greenwell/): Appointed Representative Castleacre - East Anglia
- [Ali Adham](https://www.castleacreinsurance.com/our-team-castleacre-insurance/ali/): Ali began his career in insurance in 2011 working initially in motor insurance but he has specialised in the complex area of private health insurance since 2013. He has worked exclusively as a health insurance broker for over five years both as part of a large company and as an independent. Under Ali's leadership our private health team takes a proactive approach with new and existing clients to really identify health priorities and find tailored health insurance on the best possible terms.
- [Jonathan Lobb](https://www.castleacreinsurance.com/our-team-castleacre-insurance/jonathan-lobb/): After graduating from university with a degree in Economics, Jonathan worked with high-net-worth clients across the luxury private sports club and real estate sectors. Seeking to build a career within financial services, Jonathan joined Castleacre’s Private Health & Life team working alongside Associate Director, Ali Adham, and Health Insurance Broker, Matthew Keady. Having achieved his Cert CII qualification, Jonathan now advises individuals, families and business owners on bespoke private medical and life insurance solutions, delivering tailored protection and long-term value for clients.
- [Matthew Keady](https://www.castleacreinsurance.com/our-team-castleacre-insurance/matthew-keady/): Matthew brings over a decade of senior-level expertise in account management within the recruitment sector, specializing in Financial Services and Technology. With a keen focus on communication and client satisfaction, he transitioned into his role at Castleacre in 2023. He has completed private client insurance broker training, gaining Cert CII qualifications, with a specialist focus on Private Health.
- [Gregory Gaughan](https://www.castleacreinsurance.com/our-team-castleacre-insurance/gregory-gaughan/): Gregory Gaughan is a business graduate, qualified teacher and confident linguist. He spent six years working in Spain teaching at primary level. After returning to England he made the decision to utilize his interests in fine art, antiques, property and people, joining Castleacre and developing a new career as an insurance broker whilst obtaining his Cert CII qualifications.
- [Jonathan Merritt](https://www.castleacreinsurance.com/our-team-castleacre-insurance/jonathan-merritt/): Jonathan started his insurance career four decades ago as part of a Marine Underwriting Syndicate within Lloyds of London.  After 17 years,  he moved into the High Net Worth private client sector, first with specialist private client brokers and then a leading insurer, where he was instrumental in successfully relaunching a product specifically designed for High Net Worth clients.
- [Andrew Vowles](https://www.castleacreinsurance.com/our-team-castleacre-insurance/andrew-vowles/): Andrew Vowles has spent the majority of his career within the insurance sector, working latterly, as a team leader, in specialist risk and private client fields. Although Andrew has considerable underwriting experience he particularly enjoys working directly with clients and this may stem from his very first role in business, which was looking after members of British Airways Executive and Corporate Clubs.
- [Hugo Johnsen](https://www.castleacreinsurance.com/our-team-castleacre-insurance/hugo-johnsen/): Hugo Johnsen was a reinsurance executive for twenty-five years working with C T Bowring, Jardine Lloyd Thompson and latterly AON. He qualified as a Fellow of the Chartered Insurance Institute in 1985. He has travelled extensively in Europe and the Middle East and developed relationships with key underwriters in Lloyd’s. He formed Castleacre Insurance with Guy Everington in 2005 with the express aim of providing a more personal and professional service to heritage clients.
- [Contact Us](https://www.castleacreinsurance.com/contact-us/): Contact Castleacre Insurance You can contact us at anytime, including weekends and evenings. Head Office Castleacre Insurance Services Ltd Castleacre House 26 High Street Hadleigh Suffolk IP7 5AP United Kingdom +44 (0)1787 211 155 enquiries@castleacreinsurance.com London Office +44 (0)203 966 3614 enquiries@castleacreinsurance.com Ireland Contact Castleacre Insurance Ireland Kilmokea Great Island, Campile New Ross, Co Wexford Ireland Y34 TH58 +353 (0)86 022 7799 enquiries@castleacreinsurance.com
- [Our Team](https://www.castleacreinsurance.com/our-team-castleacre-insurance/): At Castleacre Insurance Brokers, our team of brokers and appointed representatives have all worked for major city firms and Lloyd’s agencies. We are able to offer insurance advice from an informed market perspective. We work solely on behalf of our clients to provide tailored insurance to protect their assets and meet their unique requirements.
- [Private Client Services](https://www.castleacreinsurance.com/private-client-services/): Private Client Insurance – Castleacre is a specialist private client insurance broker with extensive experience arranging tailored insurance solutions for individuals, entrepreneurs, families, and trusts across Europe. We understand that private clients often have complex needs, including high-value homes, heritage properties, fine art, classic and specialist vehicles, and bespoke financial and life protection requirements. Our team provides personalised advice and a hands-on service, ensuring each policy is carefully structured to reflect the unique circumstances and priorities of our clients. By combining technical expertise with dedicated support, Castleacre delivers peace of mind, long-term protection, and confidence in every aspect of handling a private client case.
- [Commercial Services](https://www.castleacreinsurance.com/commercial-insurance-services/): For businesses and organisations ranging from family offices and property owners to galleries, historic estates, contractors and professional firms, Here at Castleacre Insurance we deliver bespoke commercial insurance services tailored to your unique risks. Our commercial insurance services go beyond one-size-fits-all policies: we specialise in protecting everything from commercial property and liabilities to professional indemnity, cyber exposure, motor fleets, engineering risks and business interruption.
- [Terms and Conditions](https://www.castleacreinsurance.com/terms-conditions/): Castleacre Insurance Services Ltd is an independent insurance intermediary registered in the UK and regulated by the Financial Conduct Authority (FCA).
- [Testimonials](https://www.castleacreinsurance.com/insurance-testimonials/): Testimonials Insurance Testimonials We are never complacent about the service we deliver. We know how important it is to listen and learn from the experience of our clients and our aim is to continue putting their requirements first. Please read some of the testimonials we have received. To contact us on any of our services.
- [Privacy Policy](https://www.castleacreinsurance.com/privacy-policy/): To provide insurance quotations and insurance cover we will ask for, hold, and process personal information.
- [News](https://www.castleacreinsurance.com/news/)
- [Front page](https://www.castleacreinsurance.com/homepage/): Insurance Brokers Castleacre is an experienced Private Client Insurance Broker arranging insurance for Family Offices, Trustees, Estates, European Homes and Museums and Galleries. Castleacre specialise in looking after high-value, period homes and listed buildings. We understand the importance of carefully planned protection for valuable Fine Art, Jewellery, Antiques as well as the particular risks associated with owning Classic and High-Performance Cars, Yachts and Equestrian. A key element of our expanded Private Client Service is a team dedicated to Private Health and Life Insurance.
- [Merritt Insurance Services](https://www.castleacreinsurance.com/merritt-insurance-services/): In March 2023 Castleacre Insurance Services Ltd acquired private client insurance brokers Merritt Insurance Services. We are pleased to say that former Director of Merritt, Jonathan Merritt, is working alongside the Castleacre team over the next two years and he can be contacted through our head office.
- [About Us](https://www.castleacreinsurance.com/insurance-brokers-about-us/): As specialist insurance brokers, Castleacre offers a service that goes beyond the standard transactional approach. We understand that clients with historic properties, fine art collections, or complex estates require more than generic coverage—they need expertise, attention to detail, and personalised guidance every step of the way.
- [Chris Waters](https://www.castleacreinsurance.com/our-team-castleacre-insurance/chris-waters/): Chris first gained experience within the insurance market as an advisor dealing with sales and amendments to Telematics Motor insurance policies for consumers before becoming a team leader. He then moved onto a small brokerage dealing with Home and Motor Insurance. Chris specialises in looking after clients with large period properties and complex insurance requirements. He has helped develop and grow Castleacre's experienced broker team over the last few years.

## Services
- [About](https://www.castleacreinsurance.com/services/about/): Castleacre insurance brokers arrange tailored insurance for private clients, estates, family offices, museums and galleries - learn more about their bespoke home insurance, private health, and fine art and collections insurance
- [Castleacre Case Histories](https://www.castleacreinsurance.com/services/castleacre-case-histories/)
- [Our Team](https://www.castleacreinsurance.com/services/our-team/)
- [Testimonials](https://www.castleacreinsurance.com/services/testimonials/)
- [Home Insurance](https://www.castleacreinsurance.com/services/home-insurance/): Tailored home insurance for town and country houses, historic and listed buildings and bespoke new build properties.
- [Listed Building Insurance](https://www.castleacreinsurance.com/services/listed-building-insurance/): Castleacre specialise in arranging insurance for listed and historic buildings within the United Kingdom, Ireland and Europe.
- [Rectory Insurance](https://www.castleacreinsurance.com/services/rectory-insurance/): A discounted insurance scheme for the owners of Rectories, Vicarages and Parsonages.
- [Estate and Agricultural Property and Business Insurance](https://www.castleacreinsurance.com/services/landowners-estates-agricultural-insurance/): Comprehensive cover for Farm and Estate business and property.
- [Life Insurance](https://www.castleacreinsurance.com/services/life-insurance/): Advice on life insurance policies that will help your family with inheritance tax
- [International Private Health Insurance](https://www.castleacreinsurance.com/services/international-private-health-insurance/): International private health insurance is essential if you live or works abroad for more than a month at a time. At Castleacre we will find exactly the right treatment for your needs so you receive the best medical treatment wherever you are.
- [Private Health Insurance](https://www.castleacreinsurance.com/services/private-health-insurance/): Our role as your broker is to put you and your health first and compare insurance cover objectively.
- [Fine Art Insurance](https://www.castleacreinsurance.com/services/fine-art-insurance/): Insuring Fine Art, Collections and Works of Art – how to ensure you have the best protection in place.
- [Jewellery and Watch Insurance](https://www.castleacreinsurance.com/services/jewellery-and-watch-insurance/): Jewellery can be particularly susceptable to changes in value. We can help you review your cover and arrange regular professional valuations to ensure you are never underinsured.
- [European Property Insurance](https://www.castleacreinsurance.com/services/european-property-insurance/): Comprehensive cover for European historic buildings, holiday villas, contents and fine art.
- [Car Insurance](https://www.castleacreinsurance.com/services/classic-car-insurance/): Tailored Insurance for High Value Performance Cars, Classic Cars and Private Vehicle Fleets.
- [Trusts and Trustee Insurance](https://www.castleacreinsurance.com/services/trustee-liability/): Protection for lay trustees against personal and unlimited liability.
- [Event Insurance](https://www.castleacreinsurance.com/services/event-insurance/): The right event insurance will not just give you legal and financial protection but peace of mind.
- [Executors Liability Insurance](https://www.castleacreinsurance.com/services/executors-liability-insurance/): Liability insurance to protect non-professional executors.
- [Renovation and Building Works Insurance](https://www.castleacreinsurance.com/services/building-works-insurance/): When a large scale building project begins, risks for the homeowner, contractor and project manager are complex and often intertwined
- [Commercial Insurance](https://www.castleacreinsurance.com/services/commercial-insurance/): Castleacre arrange a wide range of insurance cover for businesses, small and large. We don't treat commercial insurance as a commodity.
- [Fine Art Insurance](https://www.castleacreinsurance.com/services/commerical-fine-art-insurance/): Insuring Fine Art, Collections and Works of Art - how to ensure you have the best protection in place.
- [Insurance for Family Offices](https://www.castleacreinsurance.com/services/family-office-insurance/): Property and liability insurance for family offices.
- [Let Property Insurance](https://www.castleacreinsurance.com/services/let-property-insurance/): Comprehensive insurance for owners who choose to let their private houses.
- [Listed Building Insurance](https://www.castleacreinsurance.com/services/commercial-listed-building-insurance/): Castleacre specialise in arranging insurance for listed and historic buildings within the United Kingdom.
- [Museums and Gallery Insurance](https://www.castleacreinsurance.com/services/insurance-for-museums-and-galleries/): Museum and Gallery Insurance Tailored to Protect Your Specific Risks.
- [Yacht and Marine](https://www.castleacreinsurance.com/services/yacht-and-marine/): Tailored insurance for a wide range of yachts and marine vessels.
- [Professional Indemnity](https://www.castleacreinsurance.com/services/professional-indemnity/): Professional indemnity insurance for small businesses and consultants.

## Service categories
- [servicesmain](https://www.castleacreinsurance.com/service_category/servicesmain/)
- [Private Client](https://www.castleacreinsurance.com/service_category/private-client/)
- [Commercial](https://www.castleacreinsurance.com/service_category/commercial/)
- [About](https://www.castleacreinsurance.com/service_category/about/)