Fine Art and Antiques

Another optional extension to our high value home cover is to include your collection of fine art, antiques and other collectibles.

Whether you have a single piece or a collection, we can offer you advice and exceptional service to ensure you are fully insured.

In addition to fine art and antiques, we can also include rugs, tapestries, stamp collections, sculptures, items made of gold and silver, collectable furniture and others.

Key Benefits

  • Worldwide, accidental damage cover.
  • High single item sum insured limits.
  • Death of the artist cover.

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We can provide a specialist approach to your fine art insurance, depending on your individual needs. We can cover private collections or those managed in galleries, museums, historic houses, castles etc.

Subject to valuation, high net worth insurers cover items on an agreed value basis. In addition, in the event of a claim, you are free to use your own jeweller and not an insurer’s nominated jeweller Most insurers will agree to cash settlement based on valuation figure and not the cost of replacement.

Ideally, these items should be insured on an agreed value basis. This means that in the event of a total loss, this is the amount you are guaranteed to be paid. Valuation or original invoices will be required.