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Enjoy your art with confidence
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.
Worldwide cover
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.
Specifically designed stand alone 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.
Specialist Art Insurance
A high value home insurance policy can include cover for private art collectors.
Inclusion within a high value home insurance policy
Highworth Insurance can arrange 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
A few questions to ask
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.
Here’s a quick checklist of questions you may want to ask yourself before purchasing art insurance:
- 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?
Kindly be aware that not all options are available on all policies. Carefully check your policy wording and policy summary for precise details of the cover available for your circumstances.
What do our customers say?
'A proactive, competitive company – a change from the norm!'
Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.
'Competitive, and hassle free application. Hope any claims are the same.'
The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter
'Easy to work with, makes the process a breeze, the team understand my needs'
They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.
'Listened and made appropriate recommendations'
Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.
'Top of the class in every way'
Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.
'Refreshingly uncomplicated!'
They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.
'Exceptional customer service'
I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.
'This is how it should be done!'
I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!
'Attentive and excellent service'
Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.
'Highworth saved me £700 this year compared to Halifax!'
Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!
'Great service and saved lots of money!'
Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.
'Responsive and helpful throughout my quest for home insurance.'
I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.
'The right information clearly explained'
Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.
'Quick solution to a sudden problem'
Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.
'Outstanding service from highly skilled professional – exceptional'
Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.
'Efficient, polite and knowledgeable service!'
From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!