While typical homeowner’s policies are designed to cover your home and what’s inside, there is sometimes limited coverage for valuable possessions, such as jewellery, fine art, wine and spirits, and antiques, that may get lost, stolen, or damaged. With specialised private collections insurance you can cover the special possessions that matter to you.

When considering insurance options, we ensure the highest level of coverage for your treasures, that remains relevant and true to your needs.

Important coverage considerations include:

Blanket or itemised coverage

Flexible, worldwide coverage options to meet your unique needs that cover most causes of loss with no depreciation. Cover an entire collection with blanket coverage, itemise your individual pieces, or do both. It’s up to you.

Automatic coverage for new items

If you already have coverage for certain categories of valuable articles, newly acquired items can be automatically covered for up to 90 days.

Cash settlement

Some pieces are simply irreplaceable, so in the unfortunate event a valuable item is irreparably damaged or lost, you can choose to take cash up to the sum insured rather than replacing if it suits you better.

Extended replacement cost for itemised valuable articles

If your items of jewellery, fine art and other precious valuables have increased in value and the market value of the item at the time of a covered loss exceeds the sum insured, then insurance can protect you with an extended replacement cost payment.

Your choice of repairer

Obtain the ability to use your preferred tradesman or artisan to complete the repairs wherever possible.

Pairs, sets and parts cover

If you lose a piece of a pair or set or it is damaged beyond repair, some insurers enable you to give them the remaining piece(s) and they will pay the full replacement cost for the entire pair or set.