Understanding Your Art Policy
Our fine art insurance policy has been specially designed by us with underwriters at Lloyd’s of London, the world’s leading insurance market.
Whether you’ve had your bike stolen, accidentally spilled wine on the carpet or lost your engagement ring at the gym, you will be covered.
Loss In Value
We will pay for your loss in case we repair an item and it loses market value as a result of it
Our policy has no exess and no hidden fees. We aim to be as clear and transparent as possible.
We reward loyalty! If you stay with us next year with no claims we will reduce your renewal premium at least by 5%.
We will always go the extra mile and always start by assuming your insurance claim is valid.
Good to know
What is worth insuring?
All kinds of art can be covered by specialist fine art insurance. It isn’t only Rembrandt paintings, Paul Revere silver or Tiffany lamps that are worth insuring.
Art and objects worth insuring under a fine art policy come in many descriptions. They may be snuff boxes and coins, or vast canvasses and monumental sculptures. They may be made of precious metals, precious stones or everyday materials, like paper or clay. They can be stone, metal or even liquid. Some are ancient, and others are the work of living artists.
Don’t worry if you don’t have this to hand – you will have 3 weeks to provide required documents.
I am still unsure whether my items need to be insured.
Your need specialist fine art insurance if you can answer yes to one of the following questions:
Do you have valuable items that would be difficult to repair or replace if they were damaged?
Do you have sets of objects, such as furniture, silver or ceramics, whose value would fall materially if one piece were lost or damaged?
Do you often buy new art works or collectibles? Do you sell others?
Do you lend your paintings, sculptures or other art works for exhibitions?
Do you have valuable items in storage?
Is your house sometimes open to the public or for special gatherings?
Would you know the best people to estimate and repair your pictures or other artwork if they are damaged?
Are any of your collectible items fragile or delicate?
What items can be insured?
Art and objects worth insuring under a fine art policy include:
- Architectural antiquities
- Arms and armour
- Books and works on paper, including: manuscripts, archive material, prints, photographs, posters, signs and advertising materials
- Ethnic arts
- Fine wine, bottles and glasses
- Fossils and mineral specimens
- Furniture, lighting and mirrors
- Historical artefacts
- Industrial heritage
- Musical instruments and musical collectibles
- Scientific instruments
- Silver, ceramics and glass
- Textiles, lace and embroidery
- Toys, dolls and games
- Visual art and sculpture
Within each of these categories, there are almost endless sub-categories. Books and works on paper include early printed books and rare editions, manuscripts, archive material, prints, photographs, posters, signs and advertising materials.
Our insurance is not index linked. You can increase or decrease the total sum insured at any time.
You only really know how good your insurance broker is when you need to make a claim. We're committed to resolving your claims and make you whole in days, not months.
From the moment you tell us about your claim until the moment you receive your settlement we will be with you and take away the pain.
We understand your treasured finds reflect your own personal journey, and that the larger your collections become, the greater your need for the right protection.
For more than 10 years we have been servicing HNW clients and understand their demands and expectations. We're proud of our glowing 5-star reviews from our happy clients!
What Our Clients are Saying
I have been a customer of Chelsea Insurance since 2017 with the insurance of my partners engagement ring. This was simple process with great communication skills and a fantastic price. Each year the price has reduced and the service has never faltered. I have now included both of our wedding rings, and my partners diamond earrings to the policy and the price remains incredible and the service is one of the best I have ever received. I would never move from Chelsea insurance and would highly recommend this service to anyone.
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Chelsea Insurance Brokers is a Trading Name of Kensington Insurance Brokers, who are Authorised & Regulated by the Financial Conduct Authority.
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
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85 Tottenham Court Road
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020 7937 9092
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