High Value
Collections
Cover

What is High Value Collections Insurance?

High Value Collections Insurance is specialist cover designed to protect rare, valuable, and irreplaceable items such as fine art, antiques, luxury watches, designer jewellery, wine collections, and rare collectibles. Whether held for passion or investment, this tailored insurance ensures your treasured assets are covered properly—at home, in transit, and abroad.

Standard contents policies often fall short when it comes to high-value items. That’s why Insurably® works with leading insurers to provide bespoke, agreed-value cover that reflects the true worth of your collection.

Who Needs High Value Collections Cover?

This specialist protection is essential for individuals and families with valuable possessions that require appraisal, expert handling, or international cover. You may benefit from this insurance if you are:

• A fine art collector – Paintings, sculptures, or gallery-quality pieces with fluctuating market value.
• An antiques enthusiast – Furniture, heirlooms, and unique items requiring specialist repair or restoration.
• A jewellery or watch owner – Items with high single-article value or requiring worldwide protection.
• A rare wine or spirits investor – Bottles stored at home or in bonded warehouses.
• A collector of rare books, stamps, or coins – With fluctuating or appreciating market values.

Why is Specialist Cover So Important?

High value items need more than basic contents insurance. Without agreed values, professional valuations, and global protection, you risk being underinsured—or left without cover at all. High Value Collections Insurance offers peace of mind through tailored terms, flexible limits, and access to claims experts who understand how to value, repair, and replace rare items.

Key protections include:

• Agreed Value Policies – Set and guaranteed item values at the time of insuring, with no haggling during claims.
• Worldwide All-Risks Cover – Protection at home, in storage, in transit, or on loan to exhibitions.
• Market Appreciation Protection – Option to include rising asset values over time.
• Specialist Repairs and Restoration – Access to expert restorers and conservators if needed.

What’s Typically Included?

• Fine Art Insurance – Tailored to museums, private galleries, or personal collections.
• Jewellery and Watch Cover – Including wear, storage, and international travel.
• Antiques Insurance – With flexible valuation terms and specialist repair access.
• Wine and Spirits Collections – Protection from breakage, spoilage, or theft.

What May Not Be Covered?

• Unscheduled or undocumented high-value items.
• Wear and tear, ageing, or natural deterioration.
• Damage due to improper storage or lack of maintenance.

Additional Cover Options

Depending on the scope of your collection, you may also want to explore:

• Fine Art Insurance – Museum-level protection tailored to private collectors.
• Jewellery & Watch Cover – Global cover for high-value personal items.
• Wine Collection Insurance – Tailored to cellars, home storage, or professional investors.
• Home Safe & Storage Cover – Insurance aligned with security standards and best practices.

At Insurably®, we understand that collections aren’t just valuable—they’re personal. That’s why we take the time to assess your needs and arrange discreet, intelligent protection that ensures your prized pieces are covered correctly, wherever they are in the world.

Start your bespoke quote today and protect what you’ve spent a lifetime building—expertly, securely, and with total peace of mind.