Protecting Fine Art, Jewellery and Valuables with Accurate Replacement Assessments
Ensuring fine art, jewellery and valuables are correctly insured requires an up-to-date, professionally prepared replacement valuation. Markets move, tastes change and retail prices fluctuate. Over time, values can rise and fall significantly, particularly in active categories such as contemporary art, jewellery and watches.
Relying on outdated figures can result in under insurance, leaving items inadequately covered in the event of loss. Conversely, inflated or unnecessary valuations may lead to excessive premiums. A properly prepared insurance valuation provides clarity and confidence that cover is appropriate to the current market.
What Is an Insurance Valuation?
An insurance valuation reflects the current retail market and gallery pricing of an item. This differs from auction estimates or open market values. Replacement value considers what it would cost to acquire a comparable work through an appropriate retail source at today’s prices.
Our specialists assess each item individually, taking into account:
- Current retail and gallery pricing
- Market demand and availability
- Condition and provenance
- Comparable sales evidence
- Specialist category knowledge
Each report is prepared in line with insurer requirements and structured clearly for ease of reference.
