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Art and high-value assets insurance
A collection of art, jewellery or watches needs a specific policy: values agreed in advance, cover at home, in transit and on loan, and loss adjusters who know the market.
Key points
Art and high-value assets insurance protects the collections of collectors, businesses and family offices on the basis of a value agreed in advance. It can also cover the transport of works and their loan to exhibitions.
For collectors, corporate collections and family offices. Find out more on our family office insurance page.
What it covers
Damage and theft
Physical damage to and theft of the insured works and pieces.
Agreed value
Each piece is insured for a value agreed in advance.
Transit
Pieces in transit, including house moves.
Loans to exhibitions
Cover while the work is on loan, nail to nail, depending on the policy.
What to check
Valuations
They should be updated regularly.
Security measures
Those the insurer requires at the location where the pieces are kept.
Loans
How works lent to third parties are covered.
Depreciation
Whether the policy covers loss of value following restoration.
Frequently asked questions
What is agreed value?
A value agreed with the insurer when the policy is taken out, which serves as the basis for the indemnity.
Is the work covered when it is lent?
It can be covered during transit and exhibition, depending on the policy.
Will my home insurance policy do?
Home insurance usually has low limits for valuables. For collections, a specific policy is advisable.
How are pieces valued?
With a professional valuation or the purchase documentation. Values should be updated regularly, because the art market changes.
Does it cover accidental breakage?
All risks fine art policies usually cover it. It is worth checking the exclusions, such as gradual deterioration or damage during restoration.
Related insurance
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