Specialist insurance for high-value, rare and irreplaceable items—covering jewellery, art, collectibles and heirlooms worldwide.
Valuables & Collectibles Insurance is designed to protect high-value, rare or irreplaceable items that may not be adequately covered under standard home and contents policies. Items such as jewellery, fine art, watches, collectibles and heirlooms often require specialist insurance due to their value, fragility and potential to appreciate over time.
This type of cover provides broader protection, higher limits and flexible settlement options to help preserve both the financial and sentimental value of your prized possessions.
This insurance is commonly arranged by:
Individual items listed separately with agreed or appraised values.
Sudden and unexpected damage or loss, including breakage.
Protection against theft, burglary or unexplained loss.
Insured events such as fire, storm and flood (subject to policy terms).
Protection anywhere in the world, including travel and transit.
Specified cover is typically used for fine art, high-value jewellery, watches, wine collections and investment-grade collectibles requiring precise underwriting.
Cover can be structured for worldwide protection, including transit and temporary removal, or limited to a declared address such as a private residence or secure storage facility.
Policies are typically annual, with values supported by professional appraisals. Excesses are often minimal or waived. Claims may be settled by repair, replacement or cash payment. Regular re-valuations help maintain adequate protection as values change.
Standard contents policies have low sub-limits
Items may appreciate significantly over time
Specialist repair and restoration costs are high
Worldwide cover protects items beyond the home
Greater certainty and flexibility at claim time
Speak with a broker who understands high-value collections.
Get My Valuables Insurance QuoteImportant: Valuables & Collectibles Insurance requires accurate disclosure of item details, values and storage arrangements. Certain items, activities or transit methods may require insurer approval. Coverage, limits and exclusions vary between insurers. Advice from an insurance broker is recommended.