0207 923 4191Get in Touch
  • About Us
  • Private Client
    • High-Value Home Insurance
    • Prestige Car Insurance
    • Footballer Car Insurance
    • Health Life
    • Travel Insurance
  • Commercial
    • Gym
    • Restaurant
    • Pub
    • Nightclub and Late-Night Bar
    • Brewery
    • Takeaway
    • Shop
    • Barber / Hairdresser
    • Business
    • Directors & Officers
    • Office
    • Café and Coffee Shop
    • Hotel Insurance & Guest House
    • Professional Indemnity
  • Sport & Entertainment
    • Career Ending
    • Sports Club / Leisure
    • Cricket Club
    • Music Festival / Concert
    • Events
  • Amateur Sports
    • Activity Topup
    • Amateur Golfer
    • Sports Accident
    • Sports Shooting
    • Sports Travel
    • Team Personal Accident
  • Blogs
  • Contact

High Value Assets Insurance

 

You don’t need to be a millionaire or an art dealer to need high-value home or asset insurance and if you are – you will highly likely require coverage. If you own a Fender guitar or an engagement ring then you could benefit from high-value asset insurance. This article will explore what high-value asset insurance is and why home and contents insurance might not cover your belongings. 

Contact Us 0207 923 4191

What is high-value asset insurance?

 

High-value home insurance is a specialist cover that you may need if you own a particular expensive property or item, but it doesn’t mean that it has to be a Rembrandt or the Queen’s jewels. Depending on your current home and contents insurance, high-value assets could be computers, digital cameras, wedding and engagement rings, or high-end cars. Specific insurance may be needed or wanted in addition to your current policy, to act as a safety net and precaution should the worse happen.

Do I need high-value asset insurance?

 

Unlike some forms of business and car insurance, it is not a legal requirement to have specialist high-value asset insurance, although it may be better too. You may feel that your current building and contents insurance covers you, especially as it might say that you are covered for £150000 worth of contents or more. But without reading your policy carefully, you might never know. Some insurers will cover you for a high amount but only pay out a particular sum per item, meaning that you don’t get the market value for any items or property you need to claim. In this case, the argument to endow yourself with specific and tailored high-value asset insurance is clear.

We are the right people for you

Lets work together

Contact Us0207 923 4191

What are high-value assets?

 

High-value assets don’t have to be masterpieces from Picasso or gemstones worth millions. The list of high-value assets is inexhaustible, although the most common are:

 

Jewellery – This is especially important for wedding and engagement bands, as they normally come in at over £2000 and are embedded with precious stones. But they can also include watches, necklaces, earrings and pearls. 

Gold and other precious metals

High-spec computers and digital equipment, including cameras, speakers, and musical instruments

Collectables, including comics, books, glassware, toys and sports memorabilia.

High-end, high-performance motor vehicles

Antiques

Bespoke solutions for a wide range of commercial and sports clients.

The fastest growing sport and hospitality brokers in the UK.

Quality insurance, sports and hospitality and giving back.

Committed to reinvesting 20% of our profits back into charitable causes

Making sure your items are fully covered?

The best way to make sure your items are covered is to do certain things that will make them harder to damage or lose. This shows the insurance company that you are taking proactive approaches to looking after your assets, and will make you a more attractive policyholder. The best way to do this is to follow four simple steps.

 

Protect your valuables – If you have jewellery you don’t wear often then install a wall safe in which to keep it, and invest in a burglar alarm or security camera. If you are insuring high-performance vehicles, parking them off-road or in a garage will help, as will immobilisers and alarms

Update your current insurance – Every time you buy a new high value item, contact your insurer so they are aware of it and can update your policy 

Check their value – Prices can fluctuate, and you should be ready for that. Conducting a regular valuation of your high-value assets will give both you and the insurance company the most up-to-date amounts for what they are worth, meaning that in the case of something untoward happening, you will be covered for the correct amount. 

Evidence – Keeping photographic evidence of your asset will help the police track them and the insurance company replace them like for like in case they are lost or stolen. 

 

As you can see there is no one rule for high-value asset insurance, it all comes down to what your assets are, what your current building and contents insurance covers, and what you can do to protect yourself. If you’d like some advice from an experienced broker on risk management and considerations for your business, contact Full Time Cover. We’ve worked with businesses throughout , offering expert, unbiased advice and support. Get in touch by calling 0207 923 4191.

We are the right people for you

Lets work together

Contact Us0207 923 4191

High Value Home Insurance

Private Health Insurance

Travel Insurance

Festival & Concert Insurance

Career Ending Insurance

Restaurant Insurance

Gym Insurance

Sports Accident Insurance

Sports Shooting Insurance

Sports Travel Insurance

We’ve already insured
over 1,000 clients

Get in Touch

Our customers
rate us

Taking the hassle out of Insurance…

Speak to a member of our dedicated team

0207 923 4191
Get in Touch

Contact

8 Devonshire Square,
London,
EC2M 4PL

0207 923 4191
enquiries@fulltimecover.com

Talk To Us

Contact Us
First
Last

Sitemap

  • About
  • Private Client
  • Commercial
  • Sport & Entertainment
  • Amateur Sports
  • Blogs
  • Contact
  • GDPR Data Request
  • Cookie Policy

Full-Time Cover Limited is authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales at 3rd Floor, 8 Devonshire Square, London, EC2M 4PL. Registered number: 09241439.

Copyright 2021 – Present © Full-Time Cover Ltd. | Proudly built by DNRG

Menu
We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services.
Accept
Change Settings
Cookie Box Settings
Cookie Box Settings

Privacy settings

Decide which cookies you want to allow. You can change these settings at any time. However, this can result in some functions no longer being available. For information on deleting the cookies, please consult your browser’s help function. Learn more about the cookies we use.

With the slider, you can enable or disable different types of cookies:

  • Block all
  • Essential
  • Functionality
  • Analytics
  • Advertising

This website will:

  • Essential: Remember your cookie permission setting
  • Essential: Allow session cookies
  • Essential: Gather information you input into a contact forms, newsletter and other forms across all pages
  • Essential: Keep track of what you input in a shopping cart
  • Essential: Authenticate that you are logged into your user account
  • Essential: Remember language version you selected

This website won't:

  • Remember your login details
  • Functionality: Remember social media settings
  • Functionality: Remember selected region and country
  • Analytics: Keep track of your visited pages and interaction taken
  • Analytics: Keep track about your location and region based on your IP number
  • Analytics: Keep track of the time spent on each page
  • Analytics: Increase the data quality of the statistics functions
  • Advertising: Tailor information and advertising to your interests based on e.g. the content you have visited before. (Currently we do not use targeting or targeting cookies.
  • Advertising: Gather personally identifiable information such as name and location

This website will:

  • Essential: Remember your cookie permission setting
  • Essential: Allow session cookies
  • Essential: Gather information you input into a contact forms, newsletter and other forms across all pages
  • Essential: Keep track of what you input in a shopping cart
  • Essential: Authenticate that you are logged into your user account
  • Essential: Remember language version you selected
  • Functionality: Remember social media settings
  • Functionality: Remember selected region and country

This website won't:

  • Remember your login details
  • Analytics: Keep track of your visited pages and interaction taken
  • Analytics: Keep track about your location and region based on your IP number
  • Analytics: Keep track of the time spent on each page
  • Analytics: Increase the data quality of the statistics functions
  • Advertising: Tailor information and advertising to your interests based on e.g. the content you have visited before. (Currently we do not use targeting or targeting cookies.
  • Advertising: Gather personally identifiable information such as name and location

This website will:

  • Essential: Remember your cookie permission setting
  • Essential: Allow session cookies
  • Essential: Gather information you input into a contact forms, newsletter and other forms across all pages
  • Essential: Keep track of what you input in a shopping cart
  • Essential: Authenticate that you are logged into your user account
  • Essential: Remember language version you selected
  • Functionality: Remember social media settingsl Functionality: Remember selected region and country
  • Analytics: Keep track of your visited pages and interaction taken
  • Analytics: Keep track about your location and region based on your IP number
  • Analytics: Keep track of the time spent on each page
  • Analytics: Increase the data quality of the statistics functions

This website won't:

  • Remember your login details
  • Advertising: Use information for tailored advertising with third parties
  • Advertising: Allow you to connect to social sites
  • Advertising: Identify device you are using
  • Advertising: Gather personally identifiable information such as name and location

This website will:

  • Essential: Remember your cookie permission setting
  • Essential: Allow session cookies
  • Essential: Gather information you input into a contact forms, newsletter and other forms across all pages
  • Essential: Keep track of what you input in a shopping cart
  • Essential: Authenticate that you are logged into your user account
  • Essential: Remember language version you selected
  • Functionality: Remember social media settingsl Functionality: Remember selected region and country
  • Analytics: Keep track of your visited pages and interaction taken
  • Analytics: Keep track about your location and region based on your IP number
  • Analytics: Keep track of the time spent on each page
  • Analytics: Increase the data quality of the statistics functions
  • Advertising: Use information for tailored advertising with third parties
  • Advertising: Allow you to connect to social sitesl Advertising: Identify device you are using
  • Advertising: Gather personally identifiable information such as name and location

This website won't:

  • Remember your login details
Save & Close