Theft after burglary or robbery
Coverage for theft of valuables following a burglary or robbery, within the terms and conditions and any security requirements of the policy.
Finass Insures
Request a quote Exclusive valuables insurance for jewelry, watches and art
Do you have precious jewelry, luxury watches, art, design or collections? Then a standard home contents insurance is often not sufficient. With exclusive valuables insurance you insure these special possessions customized coverage tegen diefstal, verlies en beschadiging — soms zelfs wereldwijd .
This page provides general information about exclusive valuables insurance. We are happy to think along with you for a personal proposal.
Exclusive valuables in short
- Especially for jewelry, watches, art, design and collections with higher value.
- Possibility of coverage for theft, loss and damage, also outdoors.
- Often based on appraisal value and/or itemized lists.
- Finass Verzekert compares solutions from specialized insurers.
Why exclusive valuables insurance?
Standard coverage is often limited
Regular home contents insurance has maximum limits for valuables such as jewelry and watches. At higher values, part of the damage may remain uninsured.
Vulnerable to theft and loss
Jewelry, watches and wearable valuables are relatively easy to carry. Appropriate coverage is therefore extra important.
Preservation of value
In the event of damage, you would like to be able to have your valuables repaired or repurchased. An exclusive valuables insurance fits in better with this.
What does exclusive valuables insurance cover?
Loss and missing
Some policies provide (limited) coverage for loss or misplacement, for example if a piece of jewelry is lost. This varies per insurer.
Damage and accidents
Damage due to an accident, such as a watch falling or a piece of jewelry being damaged, may be included in the insurance (all risk).
Outdoor coverage
Cover often applies not only in the home, but also outside the home, for example when you wear jewelry or a watch.
(Limited) worldwide coverage
Some exclusive valuables insurance policies provide coverage during travel, stays in hotels or safe deposit boxes. This depends on policy agreements.
The exact coverage, maximums and conditions differ per insurer. Finass Verzekert helps you compare the options.
What determines the premium for an exclusive valuables insurance policy?
Total value of the valuables
The combined value of jewelry, watches, art and other valuables forms the basis for the premium. Valuations or purchase invoices are often used.
Type of valuables
De aard van de objecten — van diamantsieraden en luxe horloges tot kunst en Collectionen — bepaalt mede het risicoprofiel.
Use and wearing behavior
How often and at what times you wear or take valuables with you plays a role. Daily use has a different risk than occasional use.
Security and storage method
Use of a safe, safe deposit box, alarm system and other security measures affects acceptance and premium.
Coverage area
Coverage only in the home, throughout the Netherlands or (limited) worldwide: the chosen scope influences the premium.
Deductible and claims history
A higher deductible can lower the premium. Previous damage to valuables insurance counts in the assessment.
Curious about the possibilities in your situation? Request a non-binding premium estimate.
Who is exclusive valuables insurance suitable for?
Jewelry and watch lovers
Private individuals with a collection of jewelry or luxury watches whose combined value far exceeds the standard coverage.
Collectors and art lovers
Owners of works of art, design objects or collections (e.g. watches, wine or other collectibles) with substantial value.
Internationally oriented households
Households that travel regularly or have multiple residences and want to take valuables with them or insure them safely elsewhere.
Owners with higher assets
For whom protection of private assets and maintenance of lifestyle plays an important role in risk management.
Homeowners with exclusive furnishings
When part of the contents consists of valuable objects that you want to insure additionally and more specifically.
Those who want customized coverage
Anyone who notices that the standard contents or valuables cover does not sufficiently reflect the actual value and use of the possessions.
Security, valuation and prevention
Security and storage equipment
Insurers often impose requirements on the way valuables are stored. Think of safes, safe deposit boxes, alarm systems and other prevention measures.
- Use of a certified safe or safe.
- Alarm system with notification to control room.
- Clear agreements about storage at home or elsewhere.
Appraisal and valuation
For exclusive jewelry, watches and art, recent appraisal reports or proof of purchase are often requested. This helps prevent discussion in the event of damage and prevent underinsurance.
Finass Verzekert is happy to think along with you about inventory, valuation and coordination with the insurer.
Frequently asked questions about the exclusive valuables insurance
```What is the difference between regular and exclusive valuables insurance?
Regular contents or valuables cover often has standard maximums for jewelry and special possessions. Exclusive valuables insurance offers higher insured amounts, often with tailor-made agreements per object or collection, and more extensive coverage outside the home.
Is valuables insurance the same as home contents insurance?
No. Home contents insurance covers your household goods in a broad sense. Valuables insurance specifically focuses on higher value, often wearable possessions such as jewelry, watches and art, with higher limits and additional conditions.
Do I always need valuation reports?
For exclusive or very valuable objects, insurers often ask for recent valuation reports or purchase invoices. For smaller or less unique objects, global value lists are sometimes sufficient. This varies per insurer.
Am I insured worldwide with my valuables?
That depends on the policy. Some exclusive valuables insurance policies offer (limited) worldwide coverage, others focus mainly on the Netherlands or Europe. This is clearly stated in the terms and conditions.
Are there specific security requirements?
Yes, at higher values good security is essential. There may be requirements for safes, alarm systems, storage locations and carrying valuables. Compliance with this is important for coverage.
What does Finass Verzekert need for a quote?
For a good quote, we ask for an overview of your valuables, an indication of the values, information about security and storage methods, travel behavior and any existing valuation reports. On this basis, we compare suitable solutions from specialized insurers.
Would you like to apply for exclusive valuables insurance? Request a customized quote
Finass Verzekert helps you to carefully identify your valuables and choose a suitable exclusive valuables insurance policy.
You will usually receive a response within a short time. Together we will look at which solution best suits your collection and wishes.
