--- title: High-Value Home & Prestige Motor Insurance | Quantum Private Clients description: Broker-only Australian underwriting agency and Lloyd's coverholder. Specialist high value home, contents, fine art, collections and prestige motor insurance for private clients. image: https://www.quantumprivateclients.com.au/hubfs/QPC%20Logo%20horizontal%201.png --- [![QPC Logo horizontal 1](https://www.quantumprivateclients.com.au/hs-fs/hubfs/QPC%20Logo%20horizontal%201.png?width=412&height=139&name=QPC%20Logo%20horizontal%201.png "QPC Logo horizontal 1")](https://www.quantumprivateclients.com.au/?hsLang=en) PRIVATE CLIENT INSURANCE **IT'S OUR PASSION** Private Client insurance should be many things. Comprehensive, flexible, forward thinking and most importantly quick to respond when you and your clients need it most. ![QPC-icon](https://www.quantumprivateclients.com.au/hs-fs/hubfs/QPC-icon.png?width=400&height=400&name=QPC-icon.png "QPC-icon") # There’s one thing insurance should never be – impersonal. During the course of our careers we’ve arranged thousands of policies for our broker partners and their Private Clients. We recognise that different clients need different insurance solutions and only by building close relationships with their trusted advisers are we able to deliver those solutions in a timely, cost effective way. Our primary goal is to ensure our clients’ homes, vehicles and valuables are protected and our claims promise is delivered as quickly and effectively as possible. ## Who we are Quantum Private Clients Pty Ltd is a specialist private client underwriting agency and coverholder at Lloyd’s. The team at Quantum Private Clients Pty Ltd has over 75 years’ experience in looking after the specialist insurance needs of individuals and their families who own high value homes, belongings, fine art and motor vehicles.    Quantum Private Clients Pty Ltd, as a coverholder at Lloyd’s and underwriting agency, has developed the Quantum Private Clients Motor Policy which is underwritten 100% by Certain Underwriters at Lloyd's led by Managing Agent IQUW, Syndicate 1856.   Quantum Private Clients Pty Ltd, as a coverholder at Lloyd’s and underwriting agency, has developed the Quantum Private Clients Home Policy which is underwritten 100% by Certain Underwriters at Lloyd’s led by Managing Agent Beazley, Syndicate 2632 / 623.   Quantum Private Clients Pty Ltd (ABN 61 656 641 584, AR No: 1295049) is an authorised representatives of Quantum Insurance Holdings Pty Ltd (ABN 71 163 019 485, AFSL No: 451 134)   Information about Lloyd’s financial strength ratings can be found at [www.lloyds.com/about-lloyds/investor-relations/ratings](https://www.lloyds.com/about-lloyds/investor-relations/ratings) ![lloyds logo black-1](https://www.quantumprivateclients.com.au/hs-fs/hubfs/lloyds%20logo%20black-1.png?width=400&height=154&name=lloyds%20logo%20black-1.png "lloyds logo black-1") ![UAC-proud-member-MED](https://www.quantumprivateclients.com.au/hs-fs/hubfs/UAC-proud-member-MED.png?width=200&height=107&name=UAC-proud-member-MED.png "UAC-proud-member-MED") ## What we do ### Underwriting We are specialists in the people we insure, not just their insurance policies. Catering for the diverse and often complex needs of your clients is at the core of our business. Our experience perfectly places us to work closely with our broker partners and understand the assets and lifestyles of their clients, tailoring policies to provide the correct level of protection. ### Claims We believe that when buying insurance, our clients are buying peace of mind and a promise that when something goes wrong, we will help put it right which ultimately equates to one thing – trust. Our brokers can trust us to deal with their client's claim promptly and effectively because our approach is to trust our clients. When our clients make a claim, we treat it as though it is our problem and not theirs. They are given their own dedicated specialist claims handler who takes personal ownership of their claim and who has the authority to make decisions and quick payments. Our aim is to deliver an empathetic, fair, and straight forward claims process with integrity and trust at its core. ### Appraisal Service Our aim is to help eliminate preventable losses from happening in the first place. We’ve been in this business long enough to know that covering a client’s financial loss isn’t always enough. That’s why we believe in offering your clients advice to proactively protect their unique assets. Applicable clients are able to benefit from risk appraisal reviews to help establish an accurate replacement cost for their home along with a wide array of risk management advice. ## Advantages of using QPC - Direct access to experienced decision makers - In house claims expertise - Appraisal services provided to applicable home policyholders - Broad levels of coverage, some unique to the Australian market ## Motor Policy - **Choice of repairer** Choice of where a client has their vehicle repaired - **Comprehensive cover for all risks of vehicle damage** Including accidental damage, fire and theft - **Comprehensive driving other cars** Cover for other vehicles not owned or regularly used by the client - **Any driver** Comprehensive Cover for damage to a client’s vehicle even when driven by someone that does not live with them - **4 Year new vehicle replacement** If a vehicle is stolen or totally destroyed even if purchased before insured with us - **Agreed value** If a vehicle is stolen or totally destroyed, we pay the amount we have agreed in the schedule - **Enhanced replacement cost** We will pay up to 125% of the agreed value in the schedule to replace a client’s vehicle - **Enhanced reinstatement value** We will repair a classic car plus pay up to 20% of the agreed value for reduction in its value - **Total loss excess waiver** If a client’s vehicle is stolen or totally destroyed they will not have to pay the excess - **Hire car costs** Up to $5,000 ## Home Policy - **Risk management appraisals** Available to home policyholders (as applicable) - **Cash settlement** Available at the client’s option for an insured loss - **Cover against all physical loss or damage** to the residence unless a specific exclusion applies - **Enhanced rebuild costs** The amount we pay for a claim to a residence is either the full cost to repair or reinstate the client’s buildings or up to 150% of the amount insured for the buildings, whichever is less - **If a client has an insured loss over $50,000 they will not have to pay an excess** unless stated otherwise in their schedule - **Gardens and landscaping** Automatically covered up to 25% of the amount insured for the residence - **Damage caused by flood** is automatically covered - **The full cost to replace contents** Without deduction for depreciation, up to 150% of the amount insured - **Newly acquired fine art automatically covered** For 90 days up to 30% of the total specified cover for fine art or $250,000 whichever is the lesser amount - **Newly acquired jewellery automatically covered** For 90 days up to 30%, of the total specified cover for jewellery or $100,000 whichever is the lesser amount ## Product Disclosure Statements & Target Market Determinations #### QPC Home issued before 1 September 2026 - [QPC Home Product Disclosure Statement v8.0 PDF](https://www.quantumprivateclients.com.au/hubfs/QPC%20-%2023386%20-%20Home%20Product%20Disclosure%20Statement%20and%20Policy%20Wording%20V8.pdf?hsLang=en) - [TMD QPC Home Insurance PDF](https://www.quantumprivateclients.com.au/hubfs/TMD%20-%20Quantum%20Private%20Clients%20Home%20Policy%20V8%2001.05.26.pdf?hsLang=en) - [SPDS - Quantum Private Clients Home Product Disclosure Statement and Policy Wording – V8/01/06/2025](https://www.quantumprivateclients.com.au/hubfs/SPDS%20Quantum%20Private%20Clients%20Home%20Product%20Disclosure%20Statement%20and%20Policy%20Wording%20V8.01.06.2025.pdf?hsLang=en) #### QPC Home issued on or after 1 September 2026 - [QPC Home Product Disclosure Statement and Policy Wording V9 PDF](https://www.quantumprivateclients.com.au/hubfs/QPC%20-%2030757%20-%20Home%20Product%20Disclosure%20Statement%20and%20Policy%20Wording%20V9.pdf?hsLang=en) - [TMD - Quantum Private Clients Home Policy V9 PDF](https://www.quantumprivateclients.com.au/hubfs/TMD%20-%20Quantum%20Private%20Clients%20Home%20Policy%20V9%2001.09.26.pdf?hsLang=en) #### QPC Motor Policies issued before 1 April 2026 - [QPC Motor Product Disclosure Statement v7.0 PDF](https://www.quantumprivateclients.com.au/hubfs/qpc_motor_product_disclosure_statement_and_policy_wording_v7.0%20(1).pdf?hsLang=en) - [TMD QPC Motor Insurance PDF](https://www.quantumprivateclients.com.au/hubfs/tmd_-_qpc_motor_insurance_3_5_24.pdf?hsLang=en) #### QPC Motor Policies issued on or after 1 April 2026 - [Motor Product Disclosure Statement and Policy Wording V8 PDF](https://www.quantumprivateclients.com.au/hubfs/23445%20-%20Motor%20Product%20Disclosure%20Statement%20and%20Policy%20Wording%20V8.pdf?hsLang=en) - [TMD – Quantum Private Clients Motor Policy V8 01.04.26](https://www.quantumprivateclients.com.au/hubfs/TMD%20-%20Quantum%20Private%20Clients%20Motor%20Vehicle%20Policy%20V8%2001.04.26.pdf?hsLang=en)   --- ## How to Make a Claim If you need to make a claim, your insurance broker can claim on your behalf, or you can contact us and we will guide you through the process.  QPC Home claims: To lodge a new claim or discuss an existing one, please call us on 1300 772 469 (+61 (0)2 7251 7710 outside of Australia) or email [claims@quantumprivateclients.com.au](mailto:claims@quantumprivateclients.com.au) QPC Motor claims: Policies incepted before 1st April 2026 – to lodge a new claim or discuss an existing one, our claims team can be contacted on 1300 432 969, or email [privateclientsclaims@insurx.com.au](mailto:privateclientsclaims@insurx.com.au) QPC Motor claims: Policies incepted on or after 1st April 2026 – for all enquiries please call us on 1300 772 469 (+61 (0)2 7251 7710 outside of Australia) or email [claims@quantumprivateclients.com.au](mailto:claims@quantumprivateclients.com.au) For claims relating to glass damage only: You have the option of calling O’Brien Glass on 13 16 16 to arrange a convenient time and location to undertake repair or replacement. Alternatively, you can arrange a quote from your preferred repairer and contact us to start the claim process.   If you’re not sure where to direct an enquiry, call us on 1300 772 469 or email [claims@quantumprivateclients.com.au](mailto:claims@quantumprivateclients.com.au) ## Support & Further Information Commitment to the highest standards. The Insurance Council of Australia Limited has developed the General Insurance Code of Practice (“the Code”), which is a voluntary self-regulatory code. The Code aims to raise the standards of practice and service in the insurance industry. Lloyd’s has adopted the Code on terms agreed with the Insurance Council of Australia. For further information on the Code please visit [www.codeofpractice.com.au](http://www.codeofpractice.com.au) The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code. For more information on the Code Governance Committee (CGC) go to [www.insurancecode.org.au](http://www.insurancecode.org.au). - [Retail Products Design and Distribution Policy](https://www.quantumprivateclients.com.au/hubfs/Design%20%26%20Distribution%20Policy%20March%202026%20(1).pdf?hsLang=en) - [Financial Services Guide](https://www.quantumprivateclients.com.au/hubfs/QPC%20Financial%20Services%20Guide%20March%202026.pdf?hsLang=en) - [Supporting Customers Experiencing Vulnerability](https://www.quantumprivateclients.com.au/hubfs/Customers%20Experiencing%20Vulnerability-1.pdf?hsLang=en) - [Family Violence policy](https://www.quantumprivateclients.com.au/hubfs/Family%20Violence%20Policy.pdf?hsLang=en) - [Financial Hardship policy](https://www.quantumprivateclients.com.au/hubfs/Financial%20Hardship%20Policy%20March_2026.pdf?hsLang=en) - [Complaints policy](https://www.quantumprivateclients.com.au/hubfs/QPC%20Complaints%20Policy.pdf?hsLang=en) - [Privacy and Spam Policy](https://www.quantumprivateclients.com.au/hubfs/Privacy%20%26%20Spam%20Policy%20March%202026.pdf?hsLang=en) Dispute resolution. If you have a complaint, please contact us or your broker and we will seek to resolve it under our complaints process (see our Complaints Policy above). If it is not resolved to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution service for consumers. Website: [www.afca.org.au](https://www.afca.org.au) | Phone: 1800 931 678 | Email: [info@afca.org.au](mailto:info@afca.org.au) | Mail: GPO Box 3, Melbourne VIC 3001. ## Frequently Asked Questions ### Who can place business with Quantum Private Clients? QPC is a broker-only underwriting agency. All policies are arranged through licensed insurance brokers. We do not sell direct to the public. Brokers interested in agency access can apply using the contact form on this page. Existing clients should contact their insurance broker or adviser in the first instance. ### What does Quantum Private Clients insure? High-value homes and contents, fine art, antiques, jewellery and a broad variety of collections including fine wine and spirits, as well as prestige and classic motor vehicles for private clients across Australia. ### Who underwrites Quantum Private Clients policies? QPC is an approved coverholder at Lloyd’s. The Home Policy is underwritten 100% by Certain Underwriters at Lloyd’s led by Managing Agent Beazley, Syndicate 2632 / 623. The Motor Policy is underwritten 100% by Certain Underwriters at Lloyd’s led by Managing Agent IQUW, Syndicate 1856. The Quantum group’s longstanding, trusted professional relationships with Beazley and IQUW stretch back close to 25 years. Information about Lloyd’s financial strength ratings is available at [lloyds.com](https://www.lloyds.com/about-lloyds/investor-relations/ratings). ### What makes the QPC Home Policy different? A selection of broad coverage that includes, but is not limited to: rebuild cover up to 150% of the building sum insured; no excess on insured losses over $50,000 (unless the schedule states otherwise); gardens and landscaping covered up to 25% of the residence sum insured; flood automatically included; full contents replacement without depreciation up to 150% of the sum insured; and automatic 90-day cover for newly acquired fine art and jewellery. ### What makes the Quantum Private Clients Motor Policy different? Agreed value on theft or total loss, replacement up to 125% of agreed value, 4-year new vehicle replacement, no excess payable on total loss, hire car costs up to $5,000, choice of repairer, and classic car repairs plus up to 20% of each specified vehicle’s agreed value (as listed on the schedule) for reduction in its value. ### How do I make a claim? Your insurance broker can lodge a claim on your behalf, or call 1300 772 469 (+61 2 7251 7710 outside Australia) or email [claims@quantumprivateclients.com.au](mailto:claims@quantumprivateclients.com.au). Motor policies incepted before 1 April 2026: call 1300 432 969 or email [privateclientsclaims@insurx.com.au](mailto:privateclientsclaims@insurx.com.au). Glass-only claims: O’Brien Glass on 13 16 16. ### What are the benefits of QPC’s in-house claims team? QPC launched its in-house claims function in 2026, with highly experienced, technical Private Client claims specialists on the ground in our Sydney office. Every client is given a dedicated claims handler who takes personal ownership of their claim and has the authority to make decisions and quick payments, with local, accessible decision-making backed by the claims credentials of our Lloyd’s carriers. ### Where is Quantum Private Clients based? Head office is in Sydney’s Surry Hills, with employees based across Australia in Queensland and Victoria as we rapidly expand our national footprint. Quantum Private Clients Pty Ltd (ABN 61 656 641 584) is an Authorised Representative (AR 1295049) of Quantum Insurance Holdings Pty Ltd (AFSL 451134), part of the broader Quantum group. ## If you are an insurance broker interested in gaining agency access to our products, please contact us using the following form and we will be in touch shortly [![phone-2](https://www.quantumprivateclients.com.au/hubfs/phone-2.svg) 1300 QPC HNW](tel:1300%20772%20469) [![phone-2](https://www.quantumprivateclients.com.au/hubfs/phone-2.svg) 1300 772 469](tel:1300%20772%20469) [![mail](https://www.quantumprivateclients.com.au/hubfs/mail.svg) info@quantumprivateclients.com.au](mailto:info@quantumprivateclients.com.au) Existing clients should contact their insurance broker or adviser in the first instance Suite 2.2B, Level 2, 25 Cooper Street, Surry Hills, Sydney, NSW 2010. [Privacy Policy](https://www.quantumprivateclients.com.au/hubfs/Privacy%20%26%20Spam%20Policy%20March%202026.pdf?hsLang=en) ![logo\_quantum\_footer](https://www.quantumprivateclients.com.au/hubfs/logo_quantum_footer.png "logo_quantum_footer") Quantum Private Clients Pty Ltd ABN 61 656 641 584. 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