Automatic acquisition cover for new additions up to 25% of the sum insured for your collection, subject to advising us within 90 days and additional premium
Accidental damage cover
Significant Exclusions
Wear and Tear
Inherent defect and breakdown
Gradual deterioration
Loss by insects or vermin
Damage by atmospheric conditions
Confiscation and War
Breakage and non violent theft while your home is being lent, let or sub let
Radioactive contamination
Coverage ceases once the bottle is opened
Significant Limitations
The ‘Agreed Values’ may be below the market value of the insured art so you may not be able to replace lost items with similar ones
Policy sub limits. Sub limits apply to some items
Disclosure: you have certain disclosure obligations which you must comply with or your claims may not be paid.
Deductible: a deductible may apply to the policy. If so. It will be shown in the Schedule.
Automatic Acquisition cover: for new additions up to 25% of the sum insured for your collection, subject to advising us within 90 days and paying additional premium.
