Art Gems and Collectibles

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Specialized Fine Art and Collectibles Insurance Protection

Secure your priceless collections with tailored insurance solutions that understand the unique value of fine art, jewelry, and rare collectibles.

What is Art & Collectibles Insurance?

Art collectors pride themselves on possessions of exquisite value and want the best protection available. A general insurance advisor might lack the capability to advise on access to fine art valuation, painting valuation, or artwork valuation services, advice on security and fire prevention consultancy, or help in planning assistance for art collection management services including transportation, storage, and conservation, leaving any protection inadequate.

When you seek help from EDIFY for fine art coverage and collectibles insurance, you can expect assistance with additional services like home repair agencies, appropriate security agencies & other service providers. To find the best art insurance, jewelry insurance, and rare collectibles protection for your precious collections, contact EDIFY before buying any fine art coverage or antique insurance policy.

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    Insuring at the Correct Value

    Having professional and competent art valuation ensures that you don't risk inadequate coverage protection on your valuable art. What's better than having the best, whose valuation will also be acceptable to the insurers providing the insurance for your collections?

    Professional valuation services provide:

    • Documented proof of value for insurance purposes
    • Expert assessment of authenticity and condition
    • Regular updates to reflect market appreciation
    • Detailed inventory of your complete collection
    • Specialized expertise for different collection categories

    Our network of certified appraisers specializes in various collectibles, from contemporary art to antique furniture, ensuring your valuable possessions are properly valued for optimal art insurance coverage.

    Repair, Replacement or Settlement

    You need flexible indemnification solutions for your fine art and collections. The best of the indemnity covers provide you with a choice to undertake a repair, seek a replacement for the pair and set, or go for an outright settlement of the loss of the collection.

    Your policy options include:

    • Expert restoration by specialized conservators
    • Replacement with items of similar quality and value
    • Cash settlement based on agreed value
    • Combination approach customized to your preferences
    • Access to international restoration specialists

    Gemstone insurance and jewelry insurance policies through Edify offer this flexibility, allowing you to choose the most appropriate solution for your specific situation after a loss occurs.

    Loss of Market Value Cover

    When your collection goes through partial damage which can be restored or repaired, it may not bring it back to its original glory and uniqueness. Despite the best restoration effort, a loss of market value is inevitable, and your art insurance should indemnify you for the loss you incur.

    Our specialized policies cover:

    • Diminished value after professional restoration
    • Expert assessment of pre and post-restoration value
    • Compensation for market value difference
    • Coverage for reputation damage to artist collections
    • Protection for future auction or sale value

    This crucial coverage element is often missing from standard policies but is essential for serious collectors who understand that even perfect repairs can affect a piece's investment value.

    Pair and Set Cover

    Collections are often bought in pairs and sets. Loss of one of the set pieces or pair can lead to complete loss of value of the art or collection in question. Your jewelry insurance or antique insurance policy should provide an unquestioned cover for pair and set loss with the option for total indemnification.

    Our comprehensive coverage includes:

    • Full value protection for incomplete pairs or sets
    • Option to surrender remaining pieces for full settlement
    • Coverage for matching pieces in different locations
    • Protection for items acquired at different times
    • Special provisions for multi-piece collections

    This specialized protection is particularly important for rare collectibles protection and fine art coverage where the collective value significantly exceeds individual piece values.

    Assistance Services

    It's not good enough to find the insurer providing you with the indemnity you need. You would like a partner that can help you with vulnerability assessment to reduce the uninsurable wear and tear, cataloguing of collection, and transit supervision for safekeeping.

    Edify provides access to:

    • Collection vulnerability assessments
    • Professional cataloguing and inventory services
    • Specialized art transport and handling
    • Climate control and conservation advice
    • Security system recommendations
    • Exhibition and display consultations

    These value-added services help protect your collection from preventable damage while ensuring proper documentation for insurance and legacy purposes.

    Automatic New Acquisition Cover

    Your fine art coverage should recognize your need to keep your collection safe, including your new acquisitions from the time you add them to your collection. You can negotiate automatic cover for new collections to ensure risk-free transit and loss indemnity from the start.

    Benefits of automatic acquisition coverage:

    • Immediate protection for new purchases
    • Coverage during transportation from gallery or auction
    • Time to arrange formal valuations and documentation
    • Seamless protection during collection expansion
    • Peace of mind during active collecting periods

    This is particularly important for rare collectibles protection and gemstone insurance, where values are high and immediate coverage is essential from the moment of purchase.

    Frequently Asked Questions

    Valuable art should be professionally revalued every 3-5 years.

    Yes, with pair and set coverage for jewelry pieces.

    Yes, specialized transit protection is included in comprehensive policies.

    Yes, for up to 60 days pending formal addition to your policy.

    We provide access to conservation, storage, and security specialists.

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    License Code : 607
    Validity of IRDAI certificate : 10 July, 2026

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