With our extensive panel of insurers we can cover many solutions for all your high value assets, including household, motor, fine art, jewellery and travel which can benefit from a single insurer and common renewal date.

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Specialist guidance

No two people are the same, which is why our Private Clients specialists take the time to understand your needs and high-value assets before discussing cover solutions. 

From antiques to inherited jewellery the value of your items can differ greatly, and replacements might be unavailable. For this reason we take the time to understand your requirements; we believe in putting people first with a no nonsense, no jargon approach, and tailor a bespoke policy for your personal effects.

Protecting your assets

Our specialists can cover a range of personal possessions, valuables and more, including:

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High value homes and their contents

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Holiday homes

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Valuables - including jewellery, fine art, antiques and collections

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Yachts and boats

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Luxury, prestige, classic and performance cars

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Historic homes, country houses, estates and farms

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Tailored cover for you

At Clear we seek to eliminate the stress that comes with multiple renewal dates, contacts and more. Read below for some of the services we offer, or contact our specialists today to see how else we can help.

Holiday Home Insurance

Holiday Home Insurance provides essential cover for your second and third properties, covering your building and contents and safeguarding your property during long periods of unoccupancy. We can also provide cover for the risks associated with renting your property to other holidaymakers. 

The longer it is left unoccupied, potentially the more vulnerable your property becomes to burglaries, damage, squatters, and other crimes. On the other hand, properties that are used to let are susceptible to accidental damage by tenants, public liability claims and theft. 

If you own a second or third property and use them as either holiday homes or to let, you will need a tailored policy that caters for these specific needs to protect you against potential losses.  


What kind of properties and assets can be protected?

Properties can include: Apartments, barn conversions, coastal homes, cottages, country homes, flats, historical properties, lodges, mansions, rural properties, townhouses and villas.  

Assets can include: Hot tubs, log burning fires, open fires, outbuildings, swimming pools, tennis courts, terraces, and more. 


Fine Art Insurance

If you have fine art collectables, you will understand that they can be valuable. Whether you are an enthusiastic collector or have family heirlooms, having the right protection in place that accurately reflects your assets is crucial.

How Clear can help protect your valuables

The policies we arrange are designed to provide accidental loss and damage, fire and theft cover to all your fine art collections. Cover can also include an increase in value in the event of the death of the artist and compensation if you discover you don’t have good title to an item. 

Whether they’re included in your Home Insurance, or require an independent Fine Art Insurance, our team are on hand to understand your needs, the extent of your collectables, and guide you through cover solutions. 

Travel Insurance

Though we can't reduce airport security queues, or promise sunny skies for your trip, we're here to keep you, your loved ones and staff protected from travel-related risks. 

For solo, group, single or multi-trip ventures, visit  www.millstreamonline.com/clr for all your journeying needs.


What if I have pre-existing medical conditions?

Refer to our 'want to know more?' section below for our guidance, what to consider, and how you can get one step closer to that much-needed getaway.


Business travel insurance

People are what define organisations. With our insurance solutions we can provide reassurance that your staff are covered no matter where they are in the world. Features can include:

  • Group Travel - including automatic Leisure cover for directors and their families
  • Group Personal Accident - a valuable employee and business benefit. Our options enable you to cover all staff or key individuals.


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Want to know more?

Find more information on this service from our knowledgeable professionals in this downloadable document

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Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

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Chartered status

In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

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Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.

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