If you own items of fine art, antique furniture, clocks, any type of collection, jewellery or watches you are best advised to consider insuring them with a specialist High Net Worth Insurer. The mainstream insurance policies often have restrictive for the values of such items that you can cover and you may find the cover is not as wide as you would like.
Furthermore, in the unfortunate event of a claim you will find the High Net Worth insurance companies far better equipped and sympathetic to your requirements to replace or repair the items. They deal with this type of claim every day, rather than as an occasional occurrence, and therefore are familiar with the type of expertise required to satisfy the client.
You can, of course, do much to help this process, which is best done prior to a loss actually occurring. The most obvious way is to have up to date and professional valuations for your most valuable possessions. These should ideally not be more than five years old and it is recommended that they are submitted to the insurer to be kept on file.
One tool not often considered is to have your valuables photographed. This is particularly useful if the item is damaged as any repairer or antique restorer can use the detail in the photograph. Secondly, the photographs can also be stored away from the risk address with only a very small security risk. Why do this you might ask? If your home is badly damage by fire or a burst pipe, the chances are your valuations and photographs may be destroyed as well.
As digital photography becomes the norm for most people, it has become easier to create your own catalogue. But for the more specialist pieces it is worth considering a professional. One such person is Peter Hunnisett of Photo Panache, whom has kindly agreed to exhibit some of his work on this site. He is the recommended provider for the British Antique Dealers Association. A full profile of Peter and his work can be found at www.photopanache.co.uk
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