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Exceptional, specialist cover for your fine art

Artwork is one of the few insurable items that is likely to appreciate in value over time, so it is important that you are protected by a specialist policy that can accommodate its true worth. Ultimart incorporates many covers that your standard home contents insurance will very likely not do.

Please see our comparison chart below.


Why choose
Ultimart?

Cover

Ultimart Individual

Ultimart Portfolio

Other Insurers

Exceptional one to one personal service

Yes
Yes
No

You will be assigned a personal art consultant who will discuss your collection with you and assist in obtaining up-to-date valuations to ensure you are always fully covered.

Increased value protection

Yes
Yes
No

Peace of mind when your artwork appreciates in value.

All risks cover

Yes
Yes
No

Cover for all eventualities including accidental damage, transit and storage.

Our partner galleries’ valuations are always accepted

Yes
Yes
No

Many insurers require valuations by a chartered valuer.

No security prerequisites

 
 
 

Many insurers refuse to pay claims if you don’t set your alarm or lock your doors and windows.

Agreed value

 
 
 

We will always cover you for at least what you paid for your artwork at the time of a loss.

No excess

 
 
 

Most insurers have a £250 accidental damage excess.

Cover for new additions

 
 
 

Extra level of protection for collectors adding new purchases.

Storage and transit

 
 
 

Fully covered when moving home or whilst in transit.

Worldwide cover

 
 
 

Keep your artwork anywhere – home, office or abroad. Excludes certain destinations.

Holiday home cover £100,000 per location

 
 
 

No security requirements for cover in 2nd or 3rd home.

Auto cover for purchases abroad

 
 
 

No need to worry about damage in transit back to the UK or to your holiday home

Restoration and repair

 
 
 

Cover for damage caused by professional restorers or framers.

Death of artist

 
 
 

Appreciation in value covered by up to 200%.

Pairs and sets cover

 
 
 

Covers loss in value if either one is damaged.

Defective title

 
 
 

Fully covered if your artwork is found to belong to someone else.

Inadvertent omissions

 
 
 

Forgot to list an item? It’s still covered up to our policy limit.

Additional costs incurred

 
 
 

Costs for sending items in post etc.

Items on loan

 
 
 

Covered for all risks.

Damage by pets

 
 
 

Fully covered.

Make an Enquiry

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