Insurance overview
Whether it’s a single painting, a collection of work or a treasured antique, it’s essential to have the right cover in place to protect what matters most.
NFU Mutual Bespoke Home Insurance is designed to protect high-value and unique possessions with cover for fine art, antiques and collections included as standard up to £10,000 in total and per item, pair or set. With the flexibility to tailor the policy to cover the true value of your collection. Items can be insured on an unspecified basis or individually specified, allowing significantly higher limits where needed.
With local knowledge backed by an experienced team of underwriters, claims handlers and specialist suppliers, we offer a personal, specialised service providing reassurance from quote through to claim. If you’re unsure of the value of your collection, we can also arrange access to expert valuers who can provide guidance and formal valuations, helping you ensure your cover remains appropriate over time.
What's covered
- The costs of replacing, repairing or restoring damage or loss, up to the amount you have chosen, or a value agreed 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 each policy period.
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.
Important Documents
The documents available to download below are designed for customers taking out a new policy. If you already hold a policy with us, these documents may not fully reflect your current cover.
To view documents for an existing, active policy, please contact the agency where you originally purchased your policy, or log in or register for an online account.
