Designer Handbag Insurance
It is quite common for people to insure their jewelry and high-ticket electronics, but many forget about their designer collection. What’s a designer outfit without the appropriate handbag?
Easy Process
Best Value
Personal Touch
Flexible Policy
Understanding Handbag Insurance Policy
Unlike traditional homeowners policies that exclude damage from floods, moths, vermin, theft, accidents, our policy covers almost any scenario. Whether you own one designer handbag or have an entire collection, every situation is unique.
We can also add furs or leather garments, shoes, suits, bridal gowns, vintage items and other accessories. Whatever your passion, Chelsea Insurance can help ensure that the garments you collect and preserve are covered. Your wardrobe is bespoke and your insurance coverage should be too!
All Risk
Comprehensive protection for high-value handbags, designer pieces, and luxury collections — including accidental loss, theft, and damage at home or away.
Worldwide
Your handbags are protected wherever you travel, with seamless worldwide cover designed for modern lifestyles and frequent international journeys.
No Excess
Claims are settled without excess deductions, ensuring the full value of your handbag is protected — with no unexpected out-of-pocket costs.
Peace of mind
Flexible cover tailored to your collection, whether insuring a single designer piece or an entire wardrobe of luxury handbags and accessories.
Like-for-like replacement
Transparent, FCA-regulated service trusted by discerning clients — with support to replace damaged or stolen handbags with the same or equivalent model wherever possibl
What Our Contents Cover Includes
Our high value contents insurance provides comprehensive benefits:
Claim Settlement
Agreed value for specified items, ensuring certainty in the event of
a claim. Making sure you are getting the best cover! Our team will assist your during every step of the process
Transit & Travel
Transit and travel protection, so valuables are covered wherever
you go and wherever you are. For extra peace of mind.
New Items
Optional liability and legal expenses cover, tailored to your needs. Add any valuable item you wish to be a part of your policy.
Supporting Documents
Fast, dedicated claims handling, for a stress-free process. Dedicated account manager for even simpler process.
Sum Insured Increase
Protection for collections and rare pieces, including jewellery, fine
art, and antiques, or even everything you got in your home.
Trusted by London’s Most Discerning Clients
Based in Mayfair, we serve private clients who expect both discretion and expertise. From coordinating valuations for your jewellery and art to arranging combined property and contents policies, our FCA-regulated approach delivers confidence and convenience. We can help you choose between a stand-alone contents policy or a combined home and contents solution, depending on your lifestyle.
Expert Policy Design and Guidance
As a specialist broker, we go beyond standard insurers. Our team understands the unique risks faced by luxury homeowners — from listed property considerations to rare art collections. We work with leading underwriters to build high value home and contents insurance policies that fit your exact requirements. This means your cover is neither too limited nor unnecessarily inflated, saving you cost and ensuring true protection.
Frequently Asked Questions
Why Should i get insurance for my luxury handbag?
- You can claim for damage, theft or loss of your item, which provides reimbursement for you to repair or replace your item.
- You will have greater peace of mind and may be more comfortable using or wearing your expensive luxury items.
- Insuring your luxury handbag will reduce the overall cost of regaining your lifestyle, after suffering an incident like theft or damage.
As well as total peace of mind, it can be cheaper to take out a standalone policy. And it won’t affect your no-claims bonus on your home insurance if you do make a claim.
Can I travel with my bags?
Worldwide coverage is included as standard. Wherever in the world and anytime you choose to travel or wear your garments, coverage is in effect. There is no limit on the number of overseas trips as long as each trip do not exceed 60 days.
How can I insure my designer bag collection?
There are typically two ways you can go about insuring a high-end item:
1. We can offer you a comprehensive home contents insurance policy with generous single item limits.
2. We can provide insurance for handbags only (the bag itself as opposed to the contents).
With any of the options other valuable personal possessions such as jewellery or furs can also be added if required.
What documents will you require?
We won’t ask you for any documents when taking out the policy but we may need them in the event of a claim.
- Keep all receipts, scan them and email them to yourself. (If you purchase from the actual brand they will often email the invoice too.)
- Be sure to keep a record of the serial number.
- Take pictures of the item from different angles: the outside, the inside, the serial number and any emblems.
Lack of documents may prolong your claim, so getting as much information at the start will help you in the long run.
Is it possible to insure a handbag for wear and tear?
Handbags will naturally age with time and how often you use them. Many luxury handbags are made with various leathers, so this alone will age from your skin’s natural oils, the sun and other conditions. Insurance offers protection should something beyond your control impact your possession such as water, fire or theft.
Aren't luxury handbags covered by my home insurance?
Do you have cover for personal possessions outside the home? If not, your handbag is likely to only be covered when it is inside the insured property.
If you have personal possession cover specified, the value of your handbag could be above the threshold for individual items. Remember, the cost of replacing your handbag could be more than the amount you paid for it.
I don’t know where to start. Can you advise?
Of course. We recommend beginning by selecting the type of cover you require. From there, we’ll guide you through a short questionnaire to provide an initial quotation.
For more complex or high-value insurance enquiries, we may need up to 48 hours to secure suitable terms. This simply depends on the level of cover and detail required.
If you need support at any stage, our team is always available via email, live chat, or phone to help you choose the right cover with confidence.
What information do you need from me?
For high-value insurance policies, we may require a little more detail to ensure your quotation is accurate and fully reflective of your needs. This might include the value of your items and any relevant supporting information.
If you’re unsure what is needed, we’ll guide you through the process step-by-step and happily answer any questions along the way.
Feel free to contact us at any time if you’d like help deciding which level of cover best suits you.
I’m happy with the terms. How can I buy a policy?
Your quotation will include clear instructions on how to proceed. If you still have questions or would like assistance, simply contact us by email, live chat, or phone — we’re always happy to help.
The purchasing process is straightforward and varies slightly depending on the type of policy you choose. In most cases, cover can be arranged quickly, and we are often able to activate your policy within minutes.
Contact Us
What Our Clients are Saying
Get a Bespoke Quote
Your home and valuables deserve the highest level of protection. Speak with
our experienced team to create a high value home insurance plan tailored
around your lifestyle.
Call us today or request a callback to begin your personalised quote.
Chelsea Insurance Brokers are a trading name of:
Kensington Insurance Brokers
Authorised and Regulated by the Financial Conduct Authority: 445714
Company Registration Number: 03001530
Our Services:
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
- Landlord
- Business & Commercial
Our Address:
10-12 Old Bond Street, Mayfair
London
W1S 4PN