Personal Insurance
Thoughtful personal insurance cover for your home, vehicles, and valuables
When you’ve worked hard to build a life, protect it properly.
For many business owners and professionals, personal insurance is something that sits quietly in the background — until it’s needed. A break-in, a vehicle accident, a burst pipe, or a lost laptop can turn from inconvenience to serious financial strain very quickly. The real cost isn’t just replacing what was lost or damaged; it’s the disruption, the stress, and the time taken away from your family or your business.
At Hallmark Risk, we help you put the right personal insurance cover in place so those moments don’t become setbacks. Our role is to protect what matters to you, clearly and responsibly, with cover that makes sense for your lifestyle and risk profile.
Why personal insurance still matters — even when you run a business
Many of our clients are directors or business owners who insure their companies thoroughly, yet underestimate their personal exposure. In reality, personal assets are often more vulnerable.
Why Choose Hallmark Risk for Personal Insurance
- Clear, honest advice
- Access to reputable insurers
- Thoughtful policy structuring
- Transparent communication
- Reliable claims support when it counts
- Insurance should feel reassuring, not complicated or rushed.
- A steady next step, when you’re ready
| Service | What It Covers |
|---|---|
| Building (House Owners) Insurance | Protects the physical structure of your home, including walls, roofs, fixed fittings, and permanent fixtures. Covers damage from storms, fire, burst geysers, and accidental incidents. Ensures your property is insured at the correct replacement value, avoiding shortfalls at claim stage. |
| House Contents Insurance | Covers the items inside your home such as furniture, appliances, electronics, clothing, and personal belongings. Protects you against loss due to theft, fire, or damage, helping you replace essential items without financial strain. |
| Motor Vehicle Insurance | Provides cover for cars, additional vehicles, trailers, and motorcycles against damage, theft, hijacking, and related risks. Protects you from unexpected repair or replacement costs while ensuring appropriate cover based on vehicle usage and storage. |
| Personal All Risks Insurance | Covers high-value portable items such as jewellery, watches, cell phones, laptops, cameras, and travel luggage wherever you go. Protects against loss, theft, or accidental damage outside the home. |
| Optional Natural Disaster Cover | Provides additional protection against flooding, earthquakes, and other location-specific environmental risks that may not be automatically included in standard policies. |
| Personal Legal Liability Cover | Protects you if someone is injured or their property is damaged due to your actions — or those of your dependants or pets — covering potential legal and compensation costs. |
How to Apply
- Request a Review: Share details about your home, vehicles, and personal assets so we can assess your current level of cover.
- Tailored Recommendations: We identify gaps, confirm accurate replacement values, and recommend the most appropriate insurance solutions for your needs.
- Policy Placement & Support: Once approved, we arrange your cover and remain available to assist with amendments, advice, and claims support when required.
Secure the Right Protection Today
Whether you need building insurance, motor vehicle cover, or comprehensive personal risk protection, we provide practical insurance solutions designed around real life.
Contact us today to review your current policies and ensure your home, vehicles, and personal assets are properly protected.
Your home, vehicles, and personal belongings are used daily. They are exposed to risks that can’t always be controlled — theft, accidents, fire, weather damage, or liability claims. Without the right cover, the financial impact lands squarely on you.
Personal insurance isn’t about over-insuring or ticking boxes. It’s about ensuring that if something goes wrong, your finances remain stable and your life continues with minimal disruption.