Specialist European Home Insurance
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33 reasons to buy - Tonic - a unique policy specially created for European Home Owners

Tonic for you

Tonic underwrites in the following territories:

 

 

 

 

 

 

 

 

Property values between £250,000 and £15 million

Tonic covers main homes, second homes, holiday homes, ski-chalets and apartments.

Specialist covers for Buildings, Contents, Fine Art, Antiques, Wine, Stamps & Jewellery.

 

Tonic Flexibility

Available in Sterling or Euros.

Payments annually or monthly.

All major credit and debit cards accepted.

 

Tonic - because you need to be sure

Written in plain English and where possible subject to English law.

No onerous unoccupancy conditions.

No single article limit restrictions under contents cover.

Protection under the Financial Services Compensation Scheme.

Full valuation and loss adjusting services available in all territories.

 

Tonic -for everyone

All Risks cover as standard including accidental damage.

Contents insured worldwide.

Subsidence and earthquake covered as standard in most territories.

No reliance on any government funds to cover natural catastrophe.

Loss of booked rental income and alternative accommodation is provided for up to 3 years after insured damage.

High limits for loss of money and credit cards.

Personal Legal Liability cover to £5 million.

Legal Expenses cover included to £100,000.

 

Tonic - exceeding expectation

The full costs of tracing the source of an escape of water, gas or oil from domestic water or heating installation and resultant repairs.

Up to £50,000 to replace sudden loss of metered water and domestic fuel oil and any clear-up costs.

Identity theft cover.

Unlimited freezer breakdown and food spoilage cover.

Business Contents insured to £20,000.

Defective Title cover on valuables to £50,000.

Cover extended for personal effects at university, college etc.

 

Tonic - when you need us

Claims department open 365/24/7

Direct availability of underwriters who understand the market and the risks involved.

 

...and a few extras

Unlimited cover for replacement locks following loss of keys.

Free security upgrade following violent crime at the property.

Free cover for gifts before Christmas and key events/anniversaries up to £10,000.

No excess charge made for claims over £10,000.

 

The best insurance protection for your Spanish villa or French chateau, Tuscan hideaway or Portuguese quinta, romantic Greek Island retreat or exclusive London townhouse. Enjoy additional discounts for additional properties and multi-location portfolios.

 

Through Tonic, clients are reassured they are buying the best advice and protection for their assets with all the support and professionalism you would expect from an expert provider – at home and abroad.

Tonic

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Cyprus

Eire

France

Greece

Italy

Portugal

Spain

UK

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Come and meet the underwriters

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26/7 September 2009