Standard home policies never adequately provide the appropriate cover for your fine arts, antiques or those special jewellery collections.

More importantly, they often contain ‘inner limits’ which impose a requirement to continually make sure your sums insured cater for all your items. Most certainly they rarely make any allowance for new acquisitions.

When it comes to jewellery collections, the approach your insurer adopts with regard to ‘pairs and sets’ will be of significance. It’s important to ensure your policy provides the flexibility to take account of the value which attaches to a ‘pair’ of valuable items or a ‘set’ within a collection.

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