Objects
- Loss and theft
- Damage
- Worldwide cover
Valuation · safe clause · worldwide
Compare exclusive valuables insurance
At high values the question shifts from premium to conditions. Where may it be kept, who may wear it, and what happens when it leaves the house.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
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Deze pagina in het Nederlands: Exclusieve kostbaarhedenverzekering vergelijken.
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
An exclusive valuables policy insures individually described items comprehensive and worldwide, including loss. The value is fixed with a valuation, preferably in the form of Article 7:960 of the Dutch Civil Code, so that the amount is settled for the term of the policy.
What sets it apart from an ordinary valuables policy lies in the clauses and in what happens away from the home: transport to an auction or a restorer, a loan to a museum, a stay in a second home or a bank vault.
With collections there is also the question of partial loss: if one piece disappears from a series, the value of the whole falls. Not every policy pays for that loss in value.
What does exclusive valuables insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Transport and lending
Transport to a restorer, auction or exhibition.
- Report in advance
- A separate section
- During a stay elsewhere as well
Conditions
Clauses that determine when you are covered.
- Wearing and safe clause
- Alarm with a monitoring centre
- Climate control for art
What is covered
| Situation | Covered |
|---|---|
| A watch or piece of jewellery lost, anywhere in the world | Yes |
| Theft at home with the alarm switched on | Yes |
| Damage during transport to a restorer | Sometimes |
| A loan to a museum or exhibition | Sometimes |
| Outside the safe while the clause requires it to be inside | No |
| Climate damage, craquelure and gradual deterioration | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The clause determines whether payment is made
Above a certain amount it applies that an item is in the safe when it is not being worn or displayed, often with an alarm connected to a monitoring centre. After a theft that is the first thing you will be asked about. Read the clause before you sign and align your practice with it; explaining afterwards that things were slightly different does not work.
Report transport and loans in advance
If a work goes to a restorer, an auction or an exhibition, that is a different risk from hanging on the wall at home. Without notification there is often no cover away from the home. On a loan to a museum, the institution sometimes arranges cover of its own; have it set out who insures what and from what moment.
Partial loss with collections
If one piece disappears from a series, the loss is greater than that one item: the series is no longer complete and the value of the whole falls. Only with an arrangement for partial loss is that fall in value paid. With coins, stamps, watches and series of artworks that is the difference that counts.
Gradual deterioration remains excluded
Craquelure, fading from light, damp damage and insect attack are treated everywhere as a gradual process and are not insured. That makes climate control and where a work is hung not a luxury but risk management. Document your climate installation; it helps if there is an argument.
What does your premium depend on?
- Total valued amount — the main basis for calculation
- Type of objects — art, jewellery, watches, collections
- Security — safe grade, alarm with monitoring centre, cameras
- Territory and frequency of transport
- Wearing and safe clause
- Excess
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
What makes this different from an ordinary valuables policy?
The sums insured are higher, items are described individually and there is cover for situations away from the home: transport, loans, a stay elsewhere. The clauses are correspondingly more specific.
How often do I have to have a new valuation?
Usually every three to five years. In sharply rising markets, such as sought-after watches or contemporary art, sooner is wise; an expired valuation means payment at market value.
What is a safe clause?
The provision that prescribes when an item belongs in the safe. Compliance is a condition of the theft cover and it is the most common reason for refusal.
Is a loan to a museum covered?
Only if you report it in advance. Sometimes the institution insures the work itself; set out who covers what and from what moment the risk passes.
Will I be paid for the loss in value after restoration?
Only if that is included. A restored work fetches less on the market than an undamaged example; that difference is called loss in value and is a separate section.
What about a collection from which one piece disappears?
With an arrangement for partial loss, the fall in value of the series is paid as well. Without that arrangement, only the item that has gone.
Read more
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.