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HomeCollectables InsuranceFine Art Insurance

Insurance for paintings and art work

At Assetsure we have many years of expertise responding to customer requirements and our Fine Art insurance is no exception. We can tailor make a policy to suit your needs so whether you have a single item or a collection, we can assist you with a policy that will adapt as your collection grows. We have listened to collectors and our core policy wording has been constructed to offer the real cover that owners of fine art demand and require. Our Assetsure Fine Art Insurance policy is unique to ourselves, you won’t find it on sale anywhere else and it is fully underwritten at Lloyd’s of London, the world’s oldest insurance institution.

What items of Fine Art will we insure?

At Assetsure we will consider 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 our fine art insurance policy wording offers the covers demanded by owners and collectors of art. We prefer to insure items of art on a specified basis, we will produce a schedule of insurance with a list of your items on cover,however for smaller items of lower value,we may on request issue cover on an unspecified basis. Unlike many insurers, we are happy to issue cover for single items of fine art or collections, As your collection grows, you can add items to your policy and only pay the pro-rata adjustment required, we charge no brokers fees for making adjustments.

What type of cover do we offer?

We have developed our policy to provide all the covers we believe that collectors of art require, this is wider than that offered by most standard home insurance policies. The basis of our cover is “Worldwide 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; we will make no deduction from our settlement.

We include depreciation cover as standard, we realise that some pieces of fine art if damaged, even if expertly repaired can lose value, we will insure you for loss of value following repair. Defective title is an additional peril we include for our policyholders. For your items purchased during the period that the fine art has been insured with us, if someone claims the item is not rightfully yours and you have to return the item, will reimburse you up to the amount you paid for the item. We will also pay up to 100% extra if an item is lost or damaged until the renewal date and you have had a chance to review the sums insured. We also realise that many people are buying fine art online, our policy has the added benefit that we can offer cover for online purchases, for full details of how we operate this cover and other value additions such as “Pair & sets” and items on loan to a museum or gallery.

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 insuranceenquiries and are happy to quote on risks regardless of how small or large.

We've got you covered...

accidental loss

Accidental Loss

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

Accidental Loss

Cover for loss of a piece of art

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

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

Depreciation in Value Cover

Following a claim where we have repaired or restored an item, it may have reduced in value.
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Depreciation in Value Cover

If we repair a damaged item, we will also pay for any loss in value. The most we will pay in total is the amount insured for that item.

Accidental Damage

Accidents happen, we ensure that your fine art can be 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 accident damage, perhaps being dropped whilst be moved or suffering from the effects of a fire or a flood.

We will repair or replace any item that is damaged and our policy also includes cover for “Depreciation” -If we repair a damaged item, we will also pay for any loss in value. The most we will pay in total is the amount Insured for that item.

We will not pay for any routine repair, servicing, inspection, maintenance, cleaning, alteration or restoration costs

Pairs / Sets Cover

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

We'll take in to consideration

We provide “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 items get stolen, we make sure you are covered if the worse happens.
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Theft

We will cover your valuable Art work against Theft or Damage caused during an attempted Theft.

Cover applies anywhere in the United Kingdom. We will not cover any theft from an unattended motor vehicle.

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

We 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 we will pay under this extension is £25,000. Full details can be found in our policy wording

Why we stand out...

We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis

Premium protection promise

Premium protection promise

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

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

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 our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Start here. Get a quote for your first item now…

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