Introducing Claims Concierge
Property Protection Membership by Exactum
Protect Your Property Before Problems Turn Into Claims.
A Smarter Way To Protect Your Property
Expert-Led Property Protection, Before, During and After a Claim
Most insurance problems do not begin on the day damage happens.
They usually begin earlier - with an outdated rebuild figure, unclear policy wording, assumptions that were never checked properly, or no clear support structure in place if something goes wrong.
Claims Concierge has been designed to deal with that properly.
From the viewpoint of Exactum, this is a structured property protection membership that helps clients put the right foundations in place before a loss, provides experienced support during a claim, and creates a clearer route into repair and reinstatement afterwards.
In technical terms, it is a managed support service built around review, guidance, documentation and coordinated next steps.
In plain English, it helps you stay better prepared, better informed and better supported from the outset.
A Better Way To Protect Your Position
The Gap Between Having Insurance and Being Properly Prepared
Insurance should not only be looked at when there is a problem.
By that stage, the rebuild cost may already be wrong. The policy may already be in force on the wrong basis. Important details may already have been overlooked. And if a claim is underway, you may already be trying to make decisions under pressure without having the right support around you.
That is where Claims Concierge is different.
It is designed to reduce avoidable risk before it becomes expensive, difficult or disruptive.
This is not generic advice.
This is not a reactive helpline.
This is not “wait and see what happens.”
This is a structured support service for property owners who want a better level of control.
What Claims Concierge Helps You Do
How The Service Works in Practical Terms, Not Theory
Claims Concierge is built around three stages of support:
Get The Fundamentals Right Before A Claim.
We begin with the areas that are often misunderstood but critically important.
That includes:
- Rebuild Cost Assessment
- Insurance Guidance
- Policy Review Support Depending on Membership Level
A rebuild cost assessment is the technical process of estimating what it may cost to reinstate the property for insurance purposes.
In simple terms, it helps check whether the property is insured on a sensible basis.
That matters because market value and rebuild value are not the same thing. If the wrong figure is being used, it can create serious problems later.
This stage is about reducing uncertainty before it has consequences.
Stay Better Supported If A Claim Happens
Bringing Structure to a Process That is Often Unclear
If damage occurs, timing, documentation and decision-making become far more important.
Claims Concierge provides support during that process based on your membership level. That may include:
- Claims Advice
- Claims Preparation Support
- Dedicated Claims Handling
- Priority Response
- Enhanced Claims Oversight
This helps create more structure at the point where many property owners are left trying to interpret policy wording, understand next steps and deal with multiple moving parts all at once.
Put simply, it gives you a steadier process when the situation is more pressured.
Keep The Next Step Clear After The Claim
From Decision To Delivery, Without Unnecessary Confusion
The claim itself is often only one part of the issue.
Repair, reinstatement, contractor coordination and technical handover can create a second stage of confusion if they are not managed properly.
Claims Concierge helps create a cleaner route into that next phase.
You remain free to use your own contractors. Where appropriate, vetted contractor support may also be available through the wider service structure.
That means the process can remain flexible without becoming disorganised.
Why Clients Choose Claims Concierge
Because Problems Are Easier To Manage Before They Escalate
Most property owners do not want more noise, more jargon or more conflicting opinions.
They want:
- a clearer understanding of their position
- a better level of preparation
- a stronger support structure
- a more controlled route through claims and reinstatement
That is what Claims Concierge is designed to provide.
With Exactum, that means:
- expert-led property protection support
- clearer rebuild cost and insurance guidance
- more structured claims support
- better preparation before a problem arises
- a more controlled route into repair and reinstatement
- ongoing support rather than one-off reactive advice
This is not about creating dependency.
It is about reducing avoidable mistakes and making sure important decisions are made from a stronger position.
Membership Options
Claims Concierge is available in three levels, so clients can choose the degree of support that fits their property and how hands-on they want that support to be.
Essential
£150 + VAT upfront rebuild cost assessment
£19 Monthly
Essential includes:
- Rebuild Cost Assessment
- Insurance Guidance
- Claims Advice
This is the right starting point for clients who want sensible preparation and clear foundations in place. It provides access to expert input, rebuild cost clarity and practical guidance when needed, without adding unnecessary complexity to the process.
Premium
£75 + VAT upfront rebuild cost assessment
£29 Monthly
Premium includes:
- Everything in Essential
- Policy Health Check
- Claims Preparation Support
- Dedicated Claims Handler
- Priority Handling
This is the stronger all-round option for clients who want more than guidance alone. It builds on the core level with better preparation, more structured support and a more responsive service when a claim needs to be handled properly.
Platinum
Rebuild cost assessment
included
£49 Monthly
Platinum includes:
- Everything in Premium
- Dedicated Claims Team
- Enhanced Service Levels
- Priority Handling
- Proactive Claim Oversight
This level is suited to clients who want the highest level of involvement and a more managed experience from the outset. It provides the clearest support structure, faster access to expert input and a more hands-on approach when the situation requires it.
What Makes Claims Concierge Different
It Is Built Around Prevention, Not Just Reaction
Most services in this space only become visible once there is already a problem.
Claims Concierge is designed to do more than respond after the fact.
It is built to help clients:
- Prepare Earlier
- Understand Their Position Better
- Reduce Avoidable Claim Complications
- Keep The Next Stage More Controlled
That is a meaningful difference.
Because when rebuild values, policy details and support structures are left untested, it is usually the client who feels the cost of that later.
This service is designed to help reduce that exposure.
A Clearer Route Into Repairs And Reinstatement
Because The Claim Is Not Always The End Of The Problem
Once the claim stage is moving, the repair stage often creates a new set of issues.
That can include:
- unclear repair scope
- poor handover between claim and works
- avoidable delays
- contractor uncertainty
- rising cost without enough control
Claims Concierge is designed to help create a more structured route into that next phase.
Where appropriate, clients may access vetted contractor support as part of the wider service structure. Where they prefer, they can continue to use their own contractor route.
The key point is this:
You should be able to move into the next stage with more clarity, not more guesswork.
Frequently Asked Questions
Is Claims Concierge an insurance policy?
No. Claims Concierge is a membership service. It provides structured support around rebuild cost assessment, insurance guidance, claims support and next-step coordination. It does not replace your insurance policy.
Why is rebuild cost assessment included?
Because rebuild value is one of the most commonly misunderstood parts of property insurance. It is used to help assess whether the property is insured on a sensible reinstatement basis.
What does insurance guidance involve?
It involves helping clients understand their broader insurance position and highlighting areas that may need closer attention. At higher membership levels, this includes a broader policy health check and more structured preparation support.
What happens if I need to make a claim?
Your membership level determines the level of support available. Depending on that level, Exactum may provide claims advice, claims preparation support, dedicated handling or enhanced oversight.
Do I have to use Exactum contractors?
No. Clients remain free to use their own contractors. Where suitable, vetted contractor support may also be available as part of the wider service structure.
Which membership is likely to suit most people?
For most clients, Premium is likely to be the most balanced option. It adds broader preparation support, policy review and a more structured claims support route without moving into the highest service tier.
Take Control Before A Problem Forces The Pace
Put The Right Structure in Place Before it Becomes Urgent
If your rebuild figures have not been reviewed properly, if your insurance position has not been checked recently, or if you want a better support structure in place before anything goes wrong, Claims Concierge gives you a clearer starting point.
This is not about overcomplicating things.
It is about putting proper checks, proper guidance and proper support in place before they are urgently needed.
That is usually the better position to be in.
Ready To Choose Your Level Of Support?
Whether you want the core foundations or a more managed level of oversight, Claims Concierge gives you a clearer route into property protection, claims support and next-step coordination.
Speak to Exactum about Claims Concierge today on 0800 028 0695
Choose the level of support that fits your property best. Put the right structure in place before it is tested.
Essential
£150 + VAT upfront rebuild cost assessment
£19 Monthly
Essential includes:
- Rebuild Cost Assessment
- Insurance Guidance
- Claims Advice
This is the right starting point for clients who want sensible preparation and clear foundations in place. It provides access to expert input, rebuild cost clarity and practical guidance when needed, without adding unnecessary complexity to the process.
Premium
£75 + VAT upfront rebuild cost assessment
£29 Monthly
Premium includes:
- Everything in Essential
- Policy Health Check
- Claims Preparation Support
- Dedicated Claims Handler
- Priority Handling
This is the stronger all-round option for clients who want more than guidance alone. It builds on the core level with better preparation, more structured support and a more responsive service when a claim needs to be handled properly.
Platinum
Rebuild cost assessment
included
£49 Monthly
Platinum includes:
- Everything in Premium
- Dedicated Claims Team
- Enhanced Service Levels
- Priority Handling
- Proactive Claim Oversight
This level is suited to clients who want the highest level of involvement and a more managed experience from the outset. It provides the clearest support structure, faster access to expert input and a more hands-on approach when the situation requires it.
Before a
Claim
Put The Right Checks In Place
This stage is about preparation.
We begin with the fundamentals, including rebuild cost assessment and insurance guidance. A rebuild cost assessment is the technical process of calculating what it may cost to reinstate a property for insurance purposes. Put simply, it helps check whether the property is insured on a sensible basis.
That matters because the rebuild cost is not the same as the market value. It is not based on what the property might sell for. It is based on what it may cost to rebuild it.
Where relevant, we also review the broader insurance position. That may include checking whether the policy structure looks aligned with the property and whether anything appears unclear, outdated or likely to create issues later.
The aim is straightforward: identify avoidable weaknesses before they become expensive problems.
During a
Claim
Get Clearer Support Under Pressure
This stage is about control.
If a claim arises, Claims Concierge provides support based on your level of membership. That may include claims advice, preparation support, document review, guidance on next steps, and direct claims handling support at the higher levels.
This is where structure matters. Claims often become difficult because people are expected to make technical decisions quickly, without enough information and without knowing what is normal. We help bring order to that process.
That includes helping you understand:
- What information may be needed
- What should be documented
- What should be checked before agreement is given
- What decisions need to be made now and what can wait
- How the claim process is expected to move
In plain English, you are not left to work it all out on your own.
After a
Claim
Keep Repair And Reinstatement On Track
This stage is about follow-through.
A claim does not always end when the insurer makes a decision. In many cases, the repair and reinstatement stage creates a second set of challenges. Scope can drift. Costs can move. Standards can vary. Communication can break down between what was agreed and what is actually delivered.
Claims Concierge is designed to help create a cleaner route into this stage.
Where appropriate, we can help you understand what happens next and, if needed, support the coordination of repair and reinstatement matters. Clients remain free to use their own contractors. Where requested, vetted contractor support may also be available as part of the wider service structure.
The point is not to remove choice. The point is to reduce confusion.