Fine Art, Antiques & Collections Insurance

Specially designed to cover your most valuable possessions.

Cover for your fine art, antiques and collections, available as an extension to your NFU Mutual Bespoke Home Insurance, tailored around you and your lifestyle.

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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 an extension to your NFU Mutual Bespoke Home Insurance we can help ensure your most valuable posessions are protected. 

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.  

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. You can find further information in the Important Documents section.

Frequently asked questions

Other NFU Mutual Bespoke cover

NFU Mutual Bespoke Home Insurance

NFU Mutual Bespoke Home Insurance is specially designed for high value homes with contents valued over £150,000.