Insurance overview
Whether it’s a single painting, a collection of work or a treasured antique it’s essential to ensure you have the right cover in place to keep them safe.
We understand this well and as part of your NFU Mutual Bespoke Home Insurance we can help ensure your most valuable posessions are protected, with cover for fine art, antiques and collections included as standard up to £10,000 in total and per item, pair or set.
With local knowledge backed by an extensive team of experienced underwriters, claims handlers and specialist suppliers, our commitment to a personal, specialised service means you can be sure you’ve got the cover you need, with reassurance from quote to claim.
NFU Mutual Bespoke Home Insurance is designed to cover valuable items and more complex insurance needs, including fine art, antiques and collections. If you are unsure of the true worth of your collection, we can help there too. We offer access to a panel of expert valuers who can, for a fee, provide guidance and valuations.
You can extend your Bespoke Home Insurance policy with more specific cover for your fine art and collections to include:
What's covered
- The costs of replacing, repairing or restoring damage or loss, up to the amount you have chosen, or an agreed value with us
- Loss of value following repair or restoration for damaged item
- Damage to your specified fine art and collections anywhere in the world
- Pairs and sets of matching items if one is damaged, up to £30,000, or an agreed value with us
- The increased value of an artwork due to the death of the artist, if this occurs within 6 months of the date of the loss or damage, up to twice its value and a maximum of £100,000 for each claim.
What's not covered
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time
- Any costs of replacing, repairing or restoring your fine art and collections above the amount you’ve insured them for
- Cover for items permanently kept away from the address shown on your policy schedule.
Your cover will depend on your circumstances, we can explain the full cover including the limits and exclusions that apply. You can also find further information in the Important Documents section.
