Art Insurance Policy

  • Buy Art Insurance Policy in India

Are you owner/possessor of Fine art, Antique Furniture, Musical Instruments, Statues and sculptures and other important collectibles? You might be worried about any unforeseen and sudden physical loss or damage from any cause to your prized possession. In that case Art insurance understands the needs of Corporate Collector, Individual Collector, Fine Art Dealers, Museums, Antique Dealers and Art Exhibitors. Art Insurance Policy provides comprehensive protection to the insured property in transit within India. So it’s worth shopping around to check the prices and the risks covered. Our Art Insurance offers protection against accidental damage and theft, and losses from fire and water damage are also included.

Scope of cover

Coverage  includes  any  unforeseen  and  sudden  physical  loss  or  damage  from  any  cause,  other  than those specifically excluded. Art Insurance Policy also covers all Insured property while in transit on wall to wall basis at the same time as on premises on display including storage within the territorial limits mentioned in the schedule for the purpose of business or profession.

Art Insurance Policy is subject to below inbuilt coverage’s

  • New Acquisitions Clause- Up to 25% subject to maximum of Rs 50 lakhs
  • Sue and labour Clause – Upto 10% claim amount
  • Debris Removal Clause – Upto 10% claim amount

Major Exclusions

  • Loss from unattended vehicles
  • Loss or damage at any Exhibition, unless specifically notified to and agreed by the company in advance
  • Wear and tear, gradual deterioration, inherent vice/ defect, rust or oxidation, moth or vermin, warping or shrinkage
  • Damage during repairing, restoring, retouching, or any similar process
  • Aridity, humidity, exposure to light or extremes of temperature, unless such loss or damage is caused by storm, frost or fire
  • Consequential loss of any kind
  • Mysterious disappearance or unexplained loss
  • Biological or chemical contamination caused by or resulting from an act of terrorism.
  • Nuclear reaction, nuclear radiation or radioactive contamination.
  • Damages following government action

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