How much should my fine art, antiques, jewellery and watches be insured for?
Fine art, antiques, jewellery and watches should be insured for the full market value or cost of replacement. Because the market value and cost of replacing these items is likely to fluctuate, we recommend that you review their value regularly and get professional guidance. The value of a painting can often increase following the death of the artist. Because you may not know about it for a few months, the amount you’re insured for under ‘fine art’ will be increased by up to £50,000 automatically for six months following the death.
