If your home contains art and antiques, research suggests you are probably significantly under-insured. And if you have a standard insurance policy, it may pay out a maximum of only £1,500 for a single item - leaving you out of pocket after a claim.
Treasured possessions deserve proper protection, and we offer a range of specialist insurance contracts which pay real attention to detail. Insurers reward the care taken by homeowners with art and antiques - so premiums are actually lower than for general contents: £100,000 of cover can cost as little as £250.
The cover provided is for an "Agreed Value", and "Depreciation Following Insured Damage" is also included. For example: a painting is valued at £50,000. On being damaged, it is restored but the re-valuation is at only £25,000. The financial loss of £25,000 would be paid by insurers.
Valuation
Valuations or complete inventories are an essential part of insuring your fine art, not only to benefit from the specialist cover and premium rates, but also to ensure claim payments are dealt with quickly and to your complete satisfaction. Valuations can be provided at competitive rates. We can help to arrange this. See our list of recommended valuers on the links page.
Keeping up with changes and trends in the art and antiques market can be time-consuming and difficult. But if you're not aware of the value of your treasures, you could find yourself under-insured. Look how the value of a George III Mahogany long-case clock c 1775 has changed - it's important to get specialist advice with a detailed home appraisal:
| Year | Value |
| 1975 | £150 |
| 1985 | £2,500 |
| 1995 | £7,500 |
| 2000 | £11,000 |
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