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Lifestyle Insurance

Art Insurance

Have you insured your Art the way you insure your home and car?

Why suffer sleepless nights for possessing such precious appreciating assets? Why not get it insured with Future Generali’s ‘Future Art Insurance’?

We offer comprehensive all risks cover which is in line with global standards and tailor made to suit the requirement of different proponents like Private Collectors, Dealers & Galleries.

Who should buy Art Insurance?

Anybody who has an ‘insurable interest’ in the specified art work can insure the same. Future Art insurance caters to

Private Collectors – High networth Individuals / industrialists, who invest, collect and trade in art.

Art Dealers & Galleries – These are intermediaries who conclude a deal between a buyer and seller. They also often take physical custody of the paintings on behalf of their clients and provide value added services in concluding a deal.

What value to insure and what will I get?

Insurance is offered either on agreed value basis or in most of the other cases the ‘basis of valuation’ is agreed. Private collectors who have limited collection which is more or less same over a period of time is generally on ‘Agreed Value’ basis. Art dealers prefer cost price plus x% which is also called appraised value or uplift.

What’s Covered

  • What items can be covered?

    Future Fine Art provides covers to Artwork of the following types:

    Drawing - Using charcoal, chalk, crayon, pastel or with pencil or pen and ink. Painting - Using oils, water colour, gouache, acrylics, ink and wash, or the more old-fashioned tempera or encaustic paints., Printmaking - Using simple methods like woodcuts or stencils, the more demanding techniques of engraving, etching and lithography, or the more modern forms like screen-printing, foil imaging or giclee prints., Sculpture - In bronze, stone, marble, wood, or clay.

    Our cover for fine art is not merely limited to paintings, but also includes antiques, porcelain, statues, sculpture, collectibles (stamps, coins, clocks, watches etc), antiquarian books, manuscripts, curios works of arts, artefacts, and crystals. Essentially if it can be sold / purchased in an auction house, it can be insured.

  • What does the policy cover?

    We offer a broad comprehensive form of ‘all risk’ coverage with few named exclusions. Thus, all types of accidental physical loss or damages are covered under the policy including natural catastrophes. The policy covers total loss to the painting and also partial losses like scratches, stains due to accidental falls, impacts etc.

    We also provide cover to the work of art while at the exhibitions as an add-on cover subject to appropriate payment of premium. Terms and conditions apply.

What's Not Covered
  • Loss or damage caused by wear and tear, gradual deterioration, inherent defect, rust or oxidation, moth or vermin, warping or shrinkage.

  • Consequential loss of any kind.

  • Mechanical or electrical faults or breakdown.

  • Loss from or damage in or on unattended vehicles, unless in the custody of a competent professional carrier.

  • The amount of the deductible stated in the Policy for each and every loss.

  • Loss or damage caused by or resulting from repairing, restoring, retouching, or any similar process.

  • Loss or damage caused by or resulting from aridity, humidity, exposure to light or extremes of temperature unless such loss or damage is caused by storm, frost or fire.

Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings.

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