Fine Art Insurance

We cover collections and one off purchases alike. Our bespoke fine art insurance is administered by our experienced Client Executives who will set up and manage your policy and build it around even the most individual of requirements and scenarios.

Furthermore, if you have other high value collectibles, electronics, jewellery or antiques, ask your client executive to combine them all under one handy premier home contents policy. 

0344 892 1372
0344 892 1372 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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Fine art insurance features

Avid collectors and one off buyers alike can benefit from the cover provided by our bespoke fine art insurance. Our experienced Client Executives will set up and manage your policy and build it around even the most individual of requirements and scenarios.

We can insure your art collection as a standalone high value item. However, if you have other high value collectibles or other high value possessions, ask your Client Executive to explain how we can provide overarching cover for all your home insurance requirements. We will then set up your insurance according to your requirements and take you through your cover using plain English.

Take out fine art insurance with us today and benefit from:

  • Worldwide cover for physical loss or damage

  • If the artist dies during the period of insurance, the insured value of the piece of fine art will be increased by up to 100% (maximum value £100,000)

  • If, during the period of insurance, someone claims a piece of fine art isn't rightfully yours, you can receive up to £25,000 if you are legally obliged to return the item

Is your collection likely to expand in the near future? No problem. Simply let your Client Executive know about any new purchases and they'll manage the change to your policy to ensure you remain covered.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Fine art insurance exclusions

Exclusions apply if:

  • You require cover for jewellery as a stand-alone item. This must be covered either as part of our home contents or home contents and buildings cover

  • You require additional buildings cover and your property is in a high flood risk area or has a previous history of subsidence

  • You have a criminal record. (please note that a simple back ground check is standard practice to find out this information)

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Fine art insurance FAQs

  • What sort of art is covered by your policy?

  • We cover sculpture, paintings, high value prints, original photography, porcelain and more.

  • Are frames covers as well as the painting itself?

  • Yes.

  • I own a sculpture which is on display outside, does the affect my policy

  • No, the level of cover remains constant, regardless of where the piece is displayed.

  • I have inherited an item of high value art, do I need to get it revalued?

  • We recommend a valuation is carried out at least every 10 years, regardless of how it was acquired.

  • What is an excess?

  • An amount you have to pay towards each claim made under the policy.

  • Are my possessions covered outside of the home?

  • Our cover provides protection for your fine art on a worldwide basis.

  • Can I cover other high value collectibles?

  • Yes, we can provide a tailored policy to incorporate your entire high value collection, and will be delighted to discuss your requirements.

  • I'm expecting my art collection to be added to, can I amend my policy to include new items?

  • Yes. We understand that as an art lover it's unlikely that your collection will stay the same for too long. When you purchase new art or indeed sell any of your current pieces, get in touch with your Client Executive, let them know about your changes and they will update your policy and advise you on your new level of cover.

  • Will I need to have my art valued?

  • When you purchase new art, determining its value is generally much easier as the value is current. However, the value of art changes over time. We recommend that a professional valuation of your collection is undertaken at least every 10 years, to ensure that you're not underinsured. You may find the National Association of Valuers and Auctioneers useful in this regard.


The service we provide to you

We aim to offer a personalised service to all of our clients. With us you'll be assigned a Client Executive who will be on hand to manage your insurance requirements. This includes making any amendments to your policy when you purchase new works of art or indeed if you were to sell any or change the conditions of the storage of your art.

Naturally, should you need to make a claim, your client executive will ensure it is managed in a swift and professional manner.

Our expertise in insuring high value items stretches back over 30 years. Trust us to provide you with exactly the appropriate cover for your art collection.

Our Client Executives are waiting to take your call today. Contact them on 0345 600 5911 to see what we can do for you. We're here Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm. We look forward to hearing from you.

0344 892 1372
0344 892 1372 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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