High Value Collections
Cover
What is High Value Collections Cover?
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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
High Value Collections Insurance typically includes:
- Fine Art & Antiques – Protection for paintings, sculptures, and historic items.
- Jewellery & Watches – Cover for high-value pieces, often with worldwide protection.
- Collections – Specialist cover for stamps, coins, wine, and other collectibles.
- Agreed Value – Guaranteed payout amount agreed at the start of the policy.
- Depreciation Cover – Compensation if a repaired item loses market value.
What's Not Covered
- Wear and tear or gradual deterioration.
- Damage caused by moths, vermin, or insects.
- Items left in unattended vehicles (unless specified).
- Damage due to climate or atmospheric conditions.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does High Value Collections cover you for?
For individuals whose lifestyle demands both privacy and comprehensive protection, specialist home insurance can cover far more than just the property. From fine art and designer wardrobes to domestic staff and private security, Insurably provides discreet, high-level cover tailored to unique personal and professional needs.
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