Amethyst - All Risks Mid Net Worth Home (ROI)

Amethyst (ROI) is a worldwide "All Risks" Mid Net Worth home insurance policy available in the Republic of Ireland.


Amethyst has a flexible underwriting appetite, few limitations, high policy limits and a host of special cover extensions. It is designed for all clients with contents from €75,000 to €150,000 (for contents over €150,000 please visit our Premier product pages).

Worldwide, "All Risks" cover for:

  • Buildings
  • Contents
  • Fine Art
  • Valuables

Additional inclusive cover for:

  • Your liability as Owner and/or Occupier
  • Your liability to Domestic Employee(s)
  • Home Emergency
  • Legal Expenses
  • Identity Theft
  • Cyber

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Here at Plum we’re committed to supporting brokers. To helping you win and retain profitable business. Amethyst is an important part of us delivering on that commitment. It’s a worldwide, all risks policy which rivals any other "all risks" product available to brokers.

Like all our specialist home insurance products Amethyst is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it is supported by our responsive, top quality service. So when you choose Amethyst, you can be confident that you are providing your clients with the competitive, tailor-made protection for their homes and treasured possessions they require.

*Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to the Amethyst policy wording.

Amethyst rivals any worldwide all-risks Mid Net Worth product available to brokers. There is no minimum commitment and competitive rates of commission apply.

What's more, we'll be flexible with our underwriting and appetite as long as the sums insured qualify.*

Five good reasons to choose Amethyst:

Service – Instant binding quotes available via the Plum Online Portal for more standard risks, supported by access to our Private Client team of experienced senior underwriters for more complicated risks.
Cover - Amethyst is a worldwide all risks policy which can compete with any mid-net- worth product available to brokers. You can choose Amethyst for your private clients with confidence.

Price - As well as providing comprehensive cover, we’ve ensured that Amethyst is competitively priced so that an Amethyst quote will not only assist you in retaining existing clients but help you win profitable new business too.

Security - Underwriting capacity for Amethyst is provided by Lloyd's, the world’s leading insurance market.

Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. Amethyst is further evidence of our strong commitment to backing brokers.


*Complex risks which require flexible underwriting may have cover amended, removed or special terms applied to help us aim to provide a quotation whatever the circumstances.

Cover is provided on a worldwide "all risks" basis for the buildings and contents, so unless the policy specifically excludes a peril, the client is covered.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.


Cover Limit
Standard excess €250
Standard subsidence excess €1,000
Extended Replacement Cover 125% of building sum insured (following valuation/appraisal)
Trace and access €15,000
Loss of Rent Payable for up to 24 Months
Alternative accommodation Payable for up to 24 Months
Fatal Injury Benefit €25,000
Emergency Entries €5,000
Loss of metered Water, Oil or Gas €2,500
Reward €10,000


Cover Limit
Standard excess €250
Extended Replacement Cover 125% of contents sum insured (following valuation/appraisal)
Alternative Accommodation & Loss of Rent  Payable for up to 24 Months
New acquisitions Up to 25% of contents sum insured
Pedal cycles €5,000
Fridge and freezer contents Up to contents sum insured
Replacement locks Unlimited (no excess)
Loss of personal electronic data €5,000
Loss of personal documents €5,000
Students and boarders possessions €5,000
Care home cover €10,000
Golfer's extension Includes third party damage, 'Hole in One' cover and hiring golf clubs overseas


Cover Limit
Standard excess €250
Unspecified single item limit €5,000
New possessions Up to 20% of valuables sum insured
Defective title Up to €25,000

Fine Art

Cover Limit
Standard excess €250
Unspecified single item limit €15,000
Death of artist Up to €100,000
Defective title Up to €50,000
New possessions Up to 20% of fine art sum insured

Automatic special extensions

Cover Limit
Home Emergency €500
Identity Theft and Legal Expenses €100,000
Cyber €50,000 per policy period

A fair, efficient, customer friendly claims service.

We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.

We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.

In safe hands

We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.


As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here