We understand the unique value of your collection. Our private client team takes the time to get to know your pieces and recommend the right protection – from valuation advice to specialist cover.
Fine Art and Antiques Insurance
Curating a coveted art and antique collection is a labour of love, and it’s important to safeguard that investment. Our insurance helps protect against theft, accidental damage, loss in value and more – so your collection is safe, no matter what happens.
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Tailored cover for valuable collections
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Expert advice from private client specialists
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Effortless claims support when you need it
Specialist expertise
We work with high-net-worth clients every day.
Tailored protection
Cover for everything from paintings to porcelain.
Effortless experience
We make it easy to insure and update your collection.
Trusted advice
We’ll guide you through valuations and documentation.
We’re here...
For every masterpiece
Whether it’s a single painting or a full gallery, we’ll help protect it with care.
For every heirloom
Inherited pieces deserve expert protection – we’ll help you get it right.
For every find
Bought something new? We’ll make sure it’s covered from day one.
For every collection/collector
From coins to clocks, we’ll tailor your policy to suit your passion.
What does fine art and antiques insurance cover?
Our policies are designed to protect your collection against theft, damage, and loss – with optional extras like defective title and death of artist cover.
Fine art insurance for private collections
Cover for paintings, drawings, sculptures, manuscripts, and more.
Antiques and collectables insurance
Includes clocks, barometers, porcelain, tapestries, rugs and more.
Extended replacement cover
Up to 25% extra cover if your item was professionally valued in the last three years.
New acquisitions and loss in value
Automatic cover for new purchases and protection if repairs reduce value.
How do fine art and antiques insurance claims work?
When you need to make a claim, we’ll guide you through the process and get things sorted quickly.
Find your policy documents and have your policy number ready
Call our claims team and explain what happened
Provide any requested documents or photos
We’ll handle the rest
What our customers are saying
Fine art and antiques insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about fine art and antiques insurance cover to support you every step of the way.
If you own, or are responsible for, any items with artistic, historic or collectible value, they can be covered under your policy.
This includes:
Furniture
Paintings
Drawings
Etchings
Prints
Photographs
Tapestries
Rugs
Manuscripts
Porcelain
Sculptures
Stamps
Coins
Gold, silver, gold- or silver-plated pieces
Clocks
Barometers
We always recommend getting your items professionally valued by a recognised expert to ensure your policy reflects the true worth of your collection and help avoid underinsurance. If your items are already valued, we’ll work with you to make sure your cover is up-to-date.
Yes, we can arrange cover for items on display at home, in storage, or on loan to galleries or exhibitions. Simply let us know where your items are kept, and we’ll tailor your policy to reflect their location and level of risk.
Automatic cover makes sure your new piece is protected from the moment you bring it home.
Our policy includes automatic cover for new acquisitions for a set period, usually up to 90 days. This gives you time to notify us and we’ll update your policy.
The increase is typically up to 25 percent of your current sum insured, offering peace of mind for spontaneous purchases.
Yes, accidental damage is typically included as standard. Whether it’s a dropped vase or a scratched frame, we’ll help you repair or replace the item and ensure your collection stays protected.
To further protect your collection, there is the option to add on loss in value cover. See below for more information.
Loss in value cover protects you if an item in your collection is damaged and repaired, but its market value drops as a result. Unfortunately, even with expert restoration, some pieces lose their original worth. This cover helps bridge the gap between the item’s pre-damage value and its value after repair, so you’re not left out of pocket.
Defective title cover protects you if someone challenges your legal ownership of an item in your collection. This can happen if a piece was stolen in the past or sold without proper consent.
If a claim is made against your ownership, this cover helps with legal costs and potential compensation. It’s especially important for high-value or historic items where provenance may be complex.
Death of artist cover protects the increased value of a piece if the artist passes away. In many cases, the market value of an artwork rises significantly after the artist’s death. This cover helps ensure your policy reflects that change, so you’re not left underinsured if something happens to the piece.
It’s particularly useful for collectors of contemporary or emerging artists.
We’re here to make the process as smooth as possible. Our claims team will guide you through every step, from gathering documentation to arranging valuations or repairs. We’ll work quickly to put things right and keep you informed throughout.