How much should my fine art and antiques, jewellery and watches be insured for?

The total sum insured on fine art and antiques, jewellery and watches must represent the full market value or cost of replacement. The market value and cost of replacing fine art and antiques, jewellery and watches is likely to fluctuate. We therefore recommend strongly that you review the value of these items regularly and seek professional help and guidance. The value of a painting can often increase following the death of the artist but you may not know about the death for a few months and so the sum insured under fine art will be increased by up to 50,000 automatically for 6 months following the death of the artist. ... more