Most home insurance stops at the border. Shield follows you — covering local perils from Bangkok monsoons to Amsterdam canal subsidence, with a claims team that speaks your language and a 72-hour triage guarantee.
Local Perils Covered
Dear Policyholder,
Following our investigation into your claim for flood damage at your property in Bangkok, Thailand, we regret to inform you that your claim has been DECLINED.
Reason for Denial:
Your claim of £47,200 cannot be processed.
£47,200 denied. Policyholder responsible for full reinstatement cost.
Same loss event. Different broker. Full settlement, zero argument.
The following are excluded from all coverage under this policy:
This list is non-exhaustive. Additional exclusions may apply. See Clauses 4–19 and Schedules 3–11.
Incident reported
Hold music. Average 47-minute wait.
Claim reference issued
Routed to domestic team. Escalation required.
International specialist assigned
If one exists. Often outsourced.
Loss adjuster survey
Third-party contractor, non-local.
Policy review for exclusions
Jurisdiction clause identified.
Claim declined or disputed
Legal review. Your cost.
Direct line answered
Local-time specialist, no hold queue.
Claim registered & triaged
Priority classification assigned.
In-country loss adjuster deployed
Pre-approved Shield network partner.
Emergency housing secured
If required — arranged and billed direct.
Settlement figure confirmed
Policy reviewed, coverage verified.
Payment authorised
In local currency. Zero deductions.
We read the exclusion clauses so you don't have to. Your gap analysis arrives within 24 hours — a precise audit of the holes in your current cover, mapped against your actual location and property type.
Delivered as a PDF. No account required. Takes 90 seconds.