Eleanor is an Associate of the Chartered Insurance Institute (ACII) with over 20 years of experience in underwriting and broking. She specializes in High Net Worth (HNW) policies, fine art insurance, and complex content coverage. Eleanor currently helps clients tailor bespoke policies that cover gaps found in standard market comparison products.
Eleanor Hughes began her career at Lloyd's of London, gaining rigorous training in risk assessment and policy formulation for high-value assets. With a Master's degree in Insurance Law, she understands the fine print that often catches consumers out, particularly regarding single item limits and the 'pair and set' clause. Eleanor has extensive experience working with affluent clients to insure difficult-to-replace items, from engagement rings to bespoke musical instruments, ensuring they are covered for their full replacement value rather than depreciated market value. She is an expert on index-linking and the impact of inflation on sum insured limits, crucial in today's economic climate. Eleanor writes to educate homeowners on the dangers of 'off-the-shelf' policies, explaining why bundling buildings and contents can offer superior legal protection. She also provides guidance on navigating the 'change of use' rules for homeowners who work from home or host Airbnb guests. Her goal is to help readers build a 'financial fortress' around their assets through correctly structured insurance portfolios.