in Leatherhead, Surrey

R T Waters Ltd has High Street premises in Leatherhead where we welcome clients from all surrounding Surrey areas. We offer a wide range of insurance cover from building and contents, car, fleet, commerical, personal indemnity, in fact we can offer bespoke policies to suit most insurance needs.

When it comes to personal insurance, we like to think of ourselves as one of Surrey’s best kept secrets. When only a first-class service will do, our home insurance brokers have your needs covered with a client-focused approach built on the principles of professionalism, trust and the very best in personal care.

Residential Property Owners and Landlords
High Net Worth Home
Single Trip and Annual Travel Insurance
Holiday Home Insurance
Holiday Lodges and Park Home Insurance
Boat and Yacht Insurance

Residential Property Owners and Landlords

If you own a residential property, and if you intend to rent it out, you should know that landlords must absorb a range of risks and responsibilities. Whether you own just a single domestic property or an entire portfolio, you must have insurance in place even if one or several of those properties don’t have tenants onsite.

Our home insurance brokers can arrange cover that meets your needs, and which provides numerous benefits.

Use R T Waters Ltd for the following:

• Building and Contents Insurance
• Accidental Damage
• Multiple Property Policies
• Alternative Accommodation Costs
• Unoccupied Property Care

• Terrorism Cover
• Subsidence and Landslip Cover
• Loss of Rental Payment Cover
• Employers Liability Insurance

We also offer separate cover for landlord’s legal protection and rent guarantee, and for property owner’s liability insurance from £1m but with the option to increase to £5m+.

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High Net Worth Home

Our home insurance brokers have an excellent understanding of the growing mid- to high-net worth insurance market. We advise you not to confuse an adapted standard household policy with a genuine high net worth alternative. While some adapted policies will cover larger risk values, they may also have specific exclusions and warranties.

R T Waters Ltd can access mid- to high net worth policies which include larger single article limits. Clauses may apply to alarms, locks and safes if you don’t have any of these features fitted inside or around the home.

We can also insure valuables on an agreed value basis, helping you to resolve any future claims quickly and easily.

• Insurance for Contents and Personal Effects
• Art and Antiques (£15,000 Single Article Limit)
• Jewellery and Watches (£5,000 Single Article Limit)
• Additional Home Cover up to 15% of Insured Sum
• Non-Standard Construction Property
• Student Possessions up to a £15,000 Value

• Alternative Accommodation up to 3 Years
• Up to £20,000 of Business Equipment Cover
• Up to £10,000 of Stock Cover
• Optimal Family Legal Protection
• Contract Work Cover up to £75,000 (excluding JCT)
• Unlimited Trace and Access Cover for Gas and Water Leaks

Clients can also use our personal and home insurance brokers to benefit from the following high net worth products:

• Generous Single Article Limits of £25,000 for High-Value Jewellery and Watches
• Generous Single Article Limits of £50,000 for Art and Antiques over £500,000 in Value
• Up to 25% or £100,000 for Additional UK Homes and for Art in Business Premises
• Unlimited Alternative Accommodation
• Student Possession, Course and Residence Fees
• Contract Work Cover up to £150,000 (excluding JCT)
• Environmental Home Upgrades to a Total Value of £50,000
• Crisis Management Section to Include Identity Theft and Trauma Cover in Full

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Single Trip and Annual Travel Insurance

The brokers at R T Waters Ltd can also help you with important cover when you’re away on holiday or taking a short break. Whether you plan to take in a long-awaited cruise or just want to get away for the weekend, it is important to have the appropriate levels of insurance in place. We work with a number of well-known providers and can help you to arrange a policy that we tailor to your personal needs.

If you plan to leave Surrey for a winter sports holiday, or if you have pre-existing medical conditions to consider, our insurance brokers can still help you to find specialist cover at a fair and affordable price.

• Single, Annual and Multi-Trip Insurance

• UK, European and Worldwide Cover

• Insurance for Long Stays and Backpackers

• Help with Pre-Existing Medical Conditions

• Travel Disruption Insurance

• Hazardous and Winter Sport Insurance

• Options for Weddings, Cruises and Golf Trips

Travel Insurance Directory

Please click through on the link above if:

• You have a medical condition that has resulted in the refusal of a travel insurance policy

• You have a medical condition that has resulted in the cancellation of travel insurance

• You have had a medical condition excluded from the offer of a travel insurance policy

• You have a medical condition that requires a high or additional premium for travel insurance

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Holiday Home Insurance

Clients who are lucky enough to own a holiday home will want to protect their investment and this makes an insurance policy a vital acquisition. Even when you are not there, your holiday home faces the same risks as your main property. Leaking roofs, floods and burglaries can compromise your second home, so it is vital to have an appropriate building and contents policy in place.

A traditional household policy won’t be sufficient for a holiday home because it won’t offer cover if you leave the property unoccupied for 30 consecutive days.

Our home insurance brokers work with multiple insurers to find you suitable policies for properties in the UK or overseas. R T Waters Ltd has schemes available to help clients in Leatherhead and the surrounding Surrey area to find value-added cover.

We can help you to find a policy for any of the following:

• Buildings and Outbuildings
• Holiday Lodges
• Static Caravans
• Home Emergency Cover
• Contents and Valuable Items
• Combined Building and Contents

• Accidental Damage
• Legal Costs and Expenses
• Standard Constructions
• Non-Standard Constructions
• Listed and Thatched Properties

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Holiday Lodges and Park Home Insurance

Like any brick-and-mortar house, park homes and the items they contain are at risk from an array of dangers, from storm damage to vandalism, and from fire to theft. Failure to adequately cover against such risks can lead to serious financial implications. If you need to pay for your own repairs or replacement products, you can end up significantly out of pocket.

Despite their bespoke nature, lodge insurance policies have certain elements of universal coverage.

Holiday lodge insurance includes:

• Accidental Damage
• Storm, Flood and Fire Damage
• Contents Cover
• Loss of Rent
• Loss of Keys
• Legal Expenses

There are many other aspects to holiday lodge insurance policies, but these represent optional features to help make your cover as personal as possible.

Common optional cover includes:

• Cover for Garden Furniture
• Cover for Sports Equipment
• Cover for Holiday Lets
• Cover for Malicious Damage When Let

While we can never eliminate risks like storm and water damage, appliance failure, vandalism and theft, we can make resolving issues in their aftermath more efficient and less stressful.

In addition to Lodge Insurance, we also specialise in park home and static caravan insurance.

Park home insurance covers the following as standard:

• Subsidence, Heave or Landslips
• Fire, Smoke and Explosion
• Lighting and Earthquakes
• Escape of Oil or Water
• Theft and Vandalism
• Impact Damage
• Storm or Flood

The above only represents a guide to holiday home insurance policies. Our team adapts to the variables of your own specific needs and property.

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Boat and Yacht Insurance

We offer services locally, regionally, nationwide and, indeed, on a worldwide scale. R T Waters Ltd can offer a wide range of products as a company of general insurance brokers. This includes policies for boats, yachts, vessels and marine craft.

From basic liability cover, all the way through to comprehensive insurance policies, we can source you a suitable product from our network of recommended insurers.

We can assist you with all of the following:

• Boats and Vessels
• Yachts
• Speedboats
• Jet-Skis

• Dinghies
• Marine Craft
• Laser Craft
• Pleasure Craft

If you would like a quotation for any of the above personal or home insurance products, please let us know.

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Call our home and business insurance brokers on
01372 375155.

R T Waters Ltd covers Leatherhead, Dorking, Epsom, Guildford, Reigate and all surrounding Surrey areas.