Tips for insuring Fine Art and Antiques

Some useful tips for insuring fine art and antiques from a specialist:

Wide territorial limits: The cover should include whilst the art is removed from its normal location, including the transit. Examples of this include cover for when the art work is loaned out to a museum or exhibition, and whilst it is displayed at a different home (or office).

Depreciation cover: If the art is damaged and then repaired, the insurance should not only pay for the repair cost but also the decrease in the value of the painting after it has been repaired.

Cover whilst damaged by a professional restorer: If art is restored, and the professional restorer damages it, this should be covered by your insurance policy. This is because some restorers may not have the right insurance to cover this on your behalf, or may lack the financial means to compensate you in the event that they damage the art work.

Automatic cover for new acquisitions: New acquisitions of art should be automatically covered to some extent. This would give you the flexibility to add to your collection and have it covered immediately as it comes into your possession and ownership, without the inconvenience of having to notify insurers before it becomes covered.

If you would like more details of Fine Art & Antiques Insurance, please contact Carl Sharp on 0118 9165 487 or

*Information correct as of 1st May 2016

Author: Carl Sharp | October 15th, 2010

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Carl Sharp
Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767