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Exceptional, specialist cover for your fine art

Artwork is one of the few insurable items that is likely to appreciate in value over time, so it is important that you are protected by a specialist policy that can accommodate its true worth. Ultimart incorporates many covers that your standard home contents insurance will very likely not do.

Please see our comparison chart below.


Why choose
Ultimart?

Cover

Ultimart Individual

Ultimart Portfolio

Other Insurers

Exceptional One to One Personal Service

You will be assigned a Personal Art Consultant who will discuss your collection with you and assist in obtaining up-to-date valuations to ensure you are always fully covered.

Yes
Yes
No

Increase Value Protection

Peace of mind when your artwork appreciates in value.

Yes
Yes
No

All Risks Cover

Cover for all eventualities including Accidental Damage, Transit and Storage.

Yes
Yes
No

Our Partner Galleries Valuations are Always Accepted

Many insurers require valuations by a Chartered Valuer.

Yes
Yes
No

No Security Prerequisites

Many insurers refuse to pay claims if you don’t set your Alarm or Lock your Doors & Windows.

 
 
 

Agreed Value

We will always Cover you for at least what you paid for your artwork at the time of a loss.

 
 
 

No Excess

Most insurers have a £250 Accidental Damage excess.

 
 
 

Cover for New Additions

Extra level of protection for collectors adding new purchases.

 
 
 

Storage & Transit

Fully covered when moving home or whilst in transit.

 
 
 

Worldwide Cover

Keep your artwork anywhere – Home/Office or abroad. Excludes certain destinations.

 
 
 

Holiday Home Cover £100,000 Per Location

No security requirements for Cover in 2nd or 3rd Home.

 
 
 

Auto Cover for Purchases Abroad

No need to worry about damage in transit back to the UK or to your holiday home

 
 
 

Restoration and Repair

Cover for damage caused by professional restorers or framers.

 
 
 

Death of Artist

Appreciation in value covered by up to 200%.

 
 
 

Pairs and Sets Cover

Loss in value if either one is damaged.

 
 
 

Defective Title

Fully covered if your artwork is found to belong to someone else.

 
 
 

Inadvertant Omissions

Forgot to list an item? It’s still covered up to our policy limit.

 
 
 

Additional Costs Incurred

Costs for sending items in post etc.

 
 
 

Items on Loan

Covered All Risks.

 
 
 

Damage by Pets

Fully Covered.

 
 
 

Make an Enquiry

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