Antiques Insurance

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Antique Insurance – Tailored to your needs

If you’ve spent time and money amassing a collection of antiques then you’re going to want to make sure you have a home contents insurance policy that provides the right level of cover.

Many standard insurers don't cover items like antique furniture or fine art under their home contents policies, and some who do will have limit (called a Single Article Limit) to ensure that no individual item covered by the policy has a value that exceeds the specified limit. As such, if you have antiques that are worth more than this specified amount, you will need a specialist antique insurance policy.

We typically provide the following cover:

  • Loss or damage to newly acquired items – we provide cover for antiques that have recently been purchased (within the first 30-45 days).
  • Pairs and sets – we cover the cost of repair or replacement of the damaged item, or the loss in market value of the damaged pair or set, whichever is least. If we cannot repair the damaged item or arrange an equivalent replacement our policies will typically pay the full replacement cost.
  • Defective title – we pay up to 10% of the total antiques sum insured (subject to maximum values) if you are legally obliged to return an item if it is proved that you do not have good title to it.
  • Death of an artist – we can pay up to 200% of the amount insured due to increase in value following the death of the artist in the event of a valid claim.

Don’t forget, the amount insured must represent the full cost of acquiring the antiques or the current market value, whichever is greater.

However large your collection, changes in market value and replacement prices will not be in line with inflation, so to make sure you’re sufficiently covered, you should continually monitor your collection to ensure that if an item is stolen or damaged, you receive a suitable insurance settlement that will cover the replacement item. At Think, our private clients experts can help you review your valuables to identify whether your cover has fallen behind market values.

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Antique Insurance Policy Features & Benefits

With an increasing number of high net worth and private client insurance providers on the market it isn’t always easy to know if the cover you have is the most suitable for you and your belongings. We’ll work with you to ensure you are getting the right policy, for the right price.

By arranging your insurance through Think you could benefit from:

  • Market leading fine art cover – cover for loss in value, death of artist, defective title and cover while at the restorers
  • Antique & Jewellery collection cover – cover for high value antique or jewellery collections or other valuable possessions
  • High single article limits – higher than average individual item limits
  • Worldwide all risks cover on all contents & possessions – cover against theft, loss and damage of your possessions when you temporarily take them away from home
  • UK and overseas properties – domestic and EU based properties covered, including second homes and holiday homes
  • Home appraisal service – one of our expert valuers will help you get an accurate picture of the value of your home and contents
  • Legal expenses cover up to £100,000
  • Access to a private client specialist - have an expert manage your policy throughout your time with us

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A Tailored Approach to Antique Insurance

At Think, we specialise in providing a personalised, tailored and highly confidential service for discerning individuals with significant assets they want to protect.

We can provide you with comprehensive contents cover, both at home and overseas, including fine art, antiques, collectables and jewellery, all at competitive prices.

Because of our knowledge and experience, we have developed relationships with the leading high net worth insurers, and many other industry specialists including valuers, restorers and security consultants.

We recognise that a ‘one-size-fits-all’ approach will never benefit those with high value contents and significant personal possessions, and so offer a tailored, personalised approach to make sure you get the insurance cover that’s right for you.

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More reasons to choose Think Insurance for your Antique insurance:

  • Our specialist antique insurance policies are underwritten by some of the leading prestige home insurers in the industry.
  • Our claims helpline is free to call, is available 24 hours a day, and based solely in the UK.
  • We offer a variety of payment options including flexible instalment plans and direct debit facilities.
  • All of our staff are UK based, highly qualified and equipped to deal with your insurance requirements.
  • We run our company along small brokerage lines so can give you and your business the personal focus, attention and level of customer service you deserve.

Get an antique insurance quote today and see the difference we can make to you.

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