Art Private Collectors

Art Insurance

Is your art correctly insured?

Highworth Insurance specialise in providing art insurance for the private collector at very competitive prices. Whether you have a single painting or a collection then we can help.  We have the scope and experience to offer a choice of dedicated policies, including stand-alone art insurance or inclusion in one of our high value home policies.

Specifically designed standalone art insurance
We offer a choice of stand-alone policies that can be specifically tailored to your needs, with extensive cover for the serious collector in mind.  The policy can include:

  • Single specified items or whole collections.
  • Physical loss and damage cover.
  • Cover for any loss in value due to restoration following damage.
  • At your option, will pay for an entire pair or set should an item become lost or damaged.
  • Up to 25% of instant cover on acquisition of a new item – just let us know as soon as practicable but within 60 days.
  • The option to re-purchase any recovered items should they be damaged.
  • Items can be insured whilst temporarily elsewhere for cleaning, renovation or repair.
  • No excess to pay if you have to make a claim.

Art Private Collectors: covered by a high value home insurance policy
Highworth Insurance can provide a high level of art insurance, at very competitive prices, through the inclusion of pieces within a high value home insurance policy. Benefits of this option can include:

  • Worldwide all risks cover
  • Works of art below £15,000 are automatically covered with no requirement to specify
  • Very competitive premiums
  • Our team of specialist advisors will happily discuss your specific requirements and advise on the most suitable policy for your needs.

Art and painting insurance – a few questions to ask yourself
Insuring works of art or collections is a potential minefield unless you deal with an expert insurer and have a reasonable idea of the type of cover you need.

If your collection is permanently kept at your primary residence, which is not left unoccupied for more than 30 days, then this process becomes easier. Many insurers will assess the value of the art comparable to the level of security within your home. If however your circumstances do not fit a straightforward profile, then suitable cover at sensible rates can become a challenge.

Below we’ve listed a quick checklist of questions you may want to ask yourself before purchasing:

  • Where do you need cover; only in your primary home, just the UK, or worldwide?
  • Do you need to insure for the full value and should you make a claim, what is the claim service like?
  • Are the stipulated security conditions proportionate to the value of your art?
  • If you are unable to meet the required security arrangements due to living in a listed building, what is the impact to your policy and premiums?
  • Will you require cover for art in transit? Is this just for the UK or worldwide?
  • If you buy a new piece, will you get instant insurance cover?

Whether you know the artist, fell in love with an extraordinary piece, inherited works of art or are simply redecorating, as an art private collector we understand the requirement for flexibility when it comes to insuring artwork.

Fallen in love with a special piece on holiday? Not a problem. Our policies can cover artwork anywhere in the world, letting you buy abroad with confidence and hang a little reminder of a wonderful holiday up at home.

Private Art Collectors
At Highworth Insurance we believe in providing a professional service; art insurance for private collectors need not be overly complicated or overpriced. Our leading policy ensures automatic cover for all pieces up to the value of £15,000 without the need to specify.

Whilst every effort is made to tailor a policy to your requirements, please be aware that not all options are available on all policies. It is advisable to carefully check your policy summary and policy wording for the exact cover applicable and talk to our experienced advisors if you require any further information.

Call for a quote

01202 937430

Mon-Fri: 0900 – 1830

Sat: 0900 – 1230

Our specialist advisors will be happy to help with any questions you may have.

Tips & Advice

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Call 01202 937430 to get a quote