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Art Insurance arranged by Assetsure

At Assetsure we have many years of expertise responding to customer requirements and we are experts in arranging insurance for valuable items.

Art insurance is no exception. We can tailor make a policy to suit your needs so whether you have a single item of art or a collection, we can assist you with a policy that will adapt as your collection grows.

We understand that art collectors require specialist insurance and the core policy wording we provide has been designed to offer the real cover that owners of fine art demand and require.

Art Insurance arranged by Assetsure can help protect your most treasured possession, the policy is also very flexible, you can add additional pieces throughout the policy term and only pay for the additional insurance, we make no separate adjustment charges.

What items of Fine Art can we insure ?

At Assetsure we will obtain insurance quotations for any item of artistic merit not limited to paintings, sculptures or objets d’art, in fact whatever item you own or an interested in acquiring, contact us for a quote.

We believe the Art insurance policy wording we provide offers the covers required by owners and collectors of art, standard home insurance policies often lack the depth of cover that serious collector of art require.

Items are usually insured on a specified basis and the insurers will produce a schedule listing a description of the item (as provided by you) and the sum insured. This makes keeping a track on what art you have insured easy.

For items of art with lower sums insured, we can arrange insurance on an unspecified basis

What type of cover for art do we offer?

We have access to insurers who understand the needs of art owners and have developed a policy to provide all the covers that serious collector of art require.

As mentioned, home insurance may be able to provide insurance for art, usually there will be an upper limit and the cover will not have the same depth and scope.

The basis of our cover is “All-risks” this offers very wide cover and includes accidental damage, fire theft and loss.

We are also pleased to be able to offer fine art insurance excess free, in the event of a claim; no deduction from any settlement will be made.

Extra covers included under Art Insurance include “Depreciation” cover as standard.

If an artwork is damaged, it may be repairable but even if the repairs are completed expertly, with great care, once complete the item may have lost some value. “Depreciation “insurance will pay up to the sum insured for each item of art if its value has been reduced following a claim.

Another valuable cover for items of art is “” Defective Title” this is also included for policyholders as standard for any items of art that are purchased during the policy term. Normally art is purchased with a good provenance, but there are times that even with the most stringent of checks you could end up purchasing a piece only to discover that someone else claims they are the rightful owner. The insurance will indemnify you up to the price you paid for the item (our standard maximum is £25,000, please refer, if you require higher amounts to be considered)

Following the death of the artist of art your insurers, will automatically increase the insured value of any item listed in the specification for Fine Art and Collectables by up to 100% if the artist dies during the period of Insurance

Please refer to the policy wording for full details of all covers.

How to obtain a quotation ?

Obtaining a fine art insurance quote from Assetsure is easy and we can normally provide quotes within an hour, we have an online form which you may use to obtain a quote or we are more than happy to speak on the telephone to take your quote instructions, we welcome new fine art insurance enquiries and are happy to quote on risks regardless of how small or large.

Art Insurance from Assetsure

We've got you covered...

accidental loss

Accidental Loss for your Art

We’ve got you covered if you misplace or lose your fine art
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accidental loss

Accidental Loss for your Art

Cover for loss of a piece of art

Accidental Loss Art Insurance will protect your Art works against physical loss. Cover is provided for the whole of the United Kingdom

In the event of a claim,there is no excess to pay.

Depreciation in Value cover

Following a claim where an item of art has been repaired or restored, it may have reduced in value.
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Depreciation in Value cover

If your Art work is damaged, it may lose value

If repairs are carried out to a damaged item, insurance will also pay for any loss in value. The most that will be paid in total is the amount insured for that particular art item

Accidental Damage

Accidents happen, we will endeavour to have your art repaired.
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Accidental Damage

if an unfortunate accident happens- we'll make sure your covered

Fragile works of art are susceptible to accidental damage, perhaps being dropped whilst being moved from one position to another.

The policy will repair or replace any item that is damaged and cover also includes insurance for “Depreciation” -If a repair is carried out to a damaged item, the insurers will also pay for any loss in value. The most that can be paid is in total the amount Insured for that particular item of art.

Excluded from cover is damaged caused by routine repair, servicing, inspection, maintenance, cleaning, alteration or restoration costs

Pairs and Sets cover

Some art items are more valuable as a set, the policy makes sure you are covered in the event of the set being damaged or incomplete
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Pairs and Sets cover

We'll take in to consideration

The policy we arrange includes “Pairs & Sets” insurance as standard. If any of your works of art have an increased value because they form part of a pair or set are lost or damaged, any payment we make will take account of the increased value.

Theft

Unfortunately art does get stolen, you'll be covered if the worst happens.
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Theft

Cover for theft of your art

We will arrange coiver for your valuable art work against theft or damage caused during an attempted theft.

Cover applies anywhere in the United Kingdom. (Cover from an unattended motor vehicle is excluded)

Death of an Artist Cover

We make sure your item is covered if the artist of the original piece passes away.
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Death of an Artist Cover

Cover for increased value following the death of the Artist

Its well known that following the death of an artist, the value of their work can increase. Your policy contains a clause that will automatically increase the insured value of any item listed in the specification for Fine Art and Collectables by up to 100% if the artist dies during the period of Insurance.

This cover applies for 6 months following the death and will allow you time to re-evaluate any works that you own

The maximum extra that will be paid under this extension is £25,000. Full details can be found in our policy wording

Why we stand out...

We are a specialist insurance intermediary and can arrange Art Insurance to suit your needs We arrange cover for: pictures, paintings, prints, photographs, decorative or creative art. We can insure a single piece of art for you or a whole collection. Please contact us to discuss your requirements.

Premium protection promise

Premium protection promise

We value our customers. Your premium will not be loaded next year by the insurers if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

Excellent Claims Service

Excellent Claims Service

You can easily report a claim to us by telephoning our claims department who can take instructions from you regarding your loss, or if you prefer, you may email us. Full details are contained in your policy document. We’ll assist you to obtain a repaired or replaced item as quickly as possible.

30 day money back guarantee

30 day money back guarantee

We are so confident in the product we supply that we have arranged with the insurers to allow you 30 days to change your mind and request a full refund, this is rather than the generic 14 days given by most. Even if after the 30 days is up, you decide our policy is not for you, we will refund you all of the insurance you haven't used with no deductions from the return of premium.

Treating you fairly...

We will not charge you any additional admin fees to make amendments to your policy or to cancel. We won't use enticing introductory offers to draw you in as we believe the price should be good from the start.

We are so confident in the policy we arrange, that you will be entitled to a full 30 days to change your mind and obtain a full refund. This is an improvement on the 14 days which is normal. Even if after the 30 days is up, you decide the cover is not for you, we will arrange for your policy to be cancelled and a full return of premium to be provided (Subject to no claim being made).

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Who are Assetsure ? icon-thin-chevron-down

Assetsure are a UK Insurance intermediary. We are authorised and regulated by the Financial Conduct Authority and are members of the British Insurance Brokers Association.