SPECIALIST COVER
Luxury Goods & Valuables Insurance
Comprehensive worldwide protection for your most treasured possessions.
Get a QuotePRIVATE CLIENTS
Insuring What Money Can't Replace
From fine art and jewellery to rare watches and wine collections, your valuables deserve specialist cover that understands their true worth. Standard home insurance rarely provides adequate protection. We arrange agreed-value policies with no depreciation, ensuring you receive the full insured amount in the event of a claim — not a reduced payout based on wear and tear. For individual jewellery and engagement-ring policies below the portfolio threshold, Chelsea Insurance writes single-item cover at Lloyd's of London.
What's Included
Jewellery & Watches
Individual and collection cover for fine jewellery, luxury watches, and precious stones worldwide.
Fine Art & Antiques
Specialist cover for paintings, sculptures, antiques, and decorative arts with agreed valuations.
Wine Collections
Temperature-controlled storage cover, transit protection, and spoilage for fine wine.
Musical Instruments
Cover for valuable instruments whether at home, in transit, or during performances.
Worldwide Cover
Protection that travels with you — your valuables are covered anywhere in the world.
No Depreciation
Agreed-value policies mean you receive the full insured amount, not a depreciated value.
Why Your Valuables Need Specialist Cover
Agreed Valuations
Every item is insured at its professionally appraised value. In the event of loss or damage, you receive the full agreed amount — no depreciation, no arguments.
Worldwide Transit Cover
Whether your jewellery travels with you or your art is on loan to a gallery, cover follows your possessions anywhere in the world including during transit and exhibition.
Automatic Acquisition
New purchases are covered from the moment you acquire them, up to an agreed percentage of your total sum insured — giving you breathing room before your next valuation.
How We Protect Your Collection
1. Valuation & Inventory
We catalogue your collection and arrange professional valuations where needed. Each item is individually scheduled with its own agreed value and description.
2. Tailored Policy Design
We place your cover with specialist fine art and valuables underwriters at Lloyd's who understand provenance, market fluctuations, and the specific risks to each category of item.
3. Claims Without Hassle
If the worst happens, our dedicated claims team handles everything. With pre-agreed values, settlement is straightforward — you receive what your item is worth, quickly.
Frequently Asked Questions
We recommend professional valuations for high-value items. We can recommend trusted valuers and the cost is often covered as part of your policy.
Yes, worldwide cover is included as standard for most policies. We can arrange specific transit cover for items being shipped or exhibited.
We include automatic acquisition cover, meaning new purchases are protected from day one up to an agreed percentage of your total sum insured.
Speak to a private broker
Get the right cover for Luxury Goods & Valuables Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover