Art and collectables insurance

Standard home insurance policies typically apply strict limits on individual valuables and may settle claims at current market value rather than the true worth of a unique item. For high-value or irreplaceable assets, that gap can be significant. Art and collectables insurance is specialist cover designed to reflect the true value and risk exposure of fine art, antiques, jewellery, watches, rare collections, and memorabilia.

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Personal Advice

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Why it matters

Single-item limits often start at just £1,500.

Most home insurance policies apply strict single-item limits, often £1,500 to £2,500 per item. For a piece of fine art, a luxury watch, or a jewellery collection, that's rarely enough.

What this cover includes

Accidental damage
Theft and attempted theft
Fire, flood, and storm damage
Loss — including mysterious disappearance
Worldwide cover
Agreed value cover
Restoration and conservation costs

Cover is always arranged subject to underwriting criteria and is tailored to the items being insured.

Without specialist cover, you risk

Being underinsured at claim stage
No cover for items travelling to exhibitions
Claims settled at market value, not agreed value
Disputes over value at the point of a claim

HOW IT WORKS

Covered in 3 steps

A real conversation, a clear recommendation, sorted

Tell us what you need

We skip the generic forms and ask the right questions upfront to understand your exact situation

We search the market

We find the best specialist covers for your profile and clearly explain your options.

You're covered

You get a clear recommendation. We handle the paperwork and provide ongoing support.

Speak to us now

Not sure what you need?

We'll talk you through it. If you own high-value items and want to understand whether your current cover reflects what they're actually worth, we're happy to review it.

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