3 Dimensional Insurance

Do you know what’s affecting rebuild cost accuracy in 2026? 🏡

It’s not just inflation. Labour costs, regulations, material prices, building complexity and outdated valuations can all impact how accurate a rebuild figure really is.

Our latest article breaks down the five key factors property owners should be aware of.

Find out more here:
https://ow.ly/t7ak50Z1A2P

3 Dimensional Insurance - Brokers With Imagination

One Portfolio. Multiple Countries. One Strategy.

A recent client came to us with a common but complex challenge.

They owned property across the UK and several European countries, and wanted to:
• Consolidate everything with one insurer
• Maximise buying power
• Simplify their insurance programme
• Build a strong, long-term relationship with a single capacity provider

The challenge?
Different jurisdictions, different regulations and fragmented placement strategies can make this difficult to achieve in practice.

Our solution at 3Di:
By leveraging both our UK entity (3 Dimensional Insurance Ltd) and our European brokerage (3 Dimensional Insurance Brokers (Europe) Ltd), we were able to structure a coordinated approach across all territories.

We are now implementing a global master programme with ‘A-rated’ insurers designed to:
• Provide consistent, high-quality cover
• Align protection across all locations
• Streamline administration and oversight
• Incorporate the full portfolio within the year

This is where specialist structuring and international reach really come into their own.

Because for complex property portfolios, it’s not just about placing insurance, it’s about designing a programme that works seamlessly across borders.

The Insurance industry has remained relatively resilient to digital transformation. Its age-old business model, regulation and product complexity has meant little has changed over the decades. But now, the Internet of things is starting to make an impact.

However, some in the industry believe so much more could still be done to take advantage of new technology and develop the sector.

Haydn Hertz, 3 Dimensional Insurance (3Di), says money is being ploughed into the industry cashing in on the, as yet, mostly untapped potential. But, he says, the use of new methods to present risk has been stagnant for years. As a result, customers are losing out and it is time for things to change.

“A key benefit of our technological approach is to tap into underwriters’ knowledge, something which I believe is usually overlooked. Brokers rarely ask the question, what if? When they’re presenting high risk projects to the market. Our visual approach creates the forum for discussion - it allows for better collaborations between all the parties, which essentially benefits the industry as a whole.”

https://youtu.be/P2kCimWBhJY?si=dHgKHgGBkEa7pBFz

If you would like to discuss our drone technology facility in more detail, please email either keith or Haydn directly

- [email protected] / [email protected]
or call the 3Di team on 020 3327 0292

Reuters Plus 3 likes. "Watch the interview with 3Di's Haydn Hertz"

Flooding doesn’t just damage property, it impacts lives, businesses, and entire communities.

Over 6 million UK properties are already at risk. By 2050, that number could reach 8 million, around 1 in 4 homes in England.

Insurers are continuing to revise their flood areas and impose restrictions on cover. It is therefore more important than ever to ensure that your client’s have the correct protection in place by using a specialist broker to augment the flood cover offered under their Property Owners Policy.

✔ Cover is available both where flood is excluded or a flood excess applies

✔ Limits from £500 to £100,000

✔ Built for protection from the ground up

✔ Includes surface water, river & coastal flooding

✔ Single properties or multi-location portfolios

✔ UK-wide coverage

✔ Supported by A+ rated capacity

If you have any requirements that you would like to discuss in more detail with myself or the 3Di team, please drop me and email to [email protected] or call 020 3327 0292