Art is an essential expression of our humanity.
Whether you are a passionate collector, gallery owner, museum director or an art professional - art objects are invaluable.
Art
What is art insurance?
Art insurance provides financial protection against loss, theft, damage and other risks that can occur with works of art.
This insurance covers costs for repairs, restorations or compensation for loss.
Thus, art owners protect their valuable collections in case of unforeseen events.
Why do I get my private collection insured?
Specific risks
Artworks are susceptible to various risks, including damage caused by:
- touch
- humidity
- temperature
- insects
- ageing
Standard fire insurance does not cover these specific risks.
Your passion has value
Works of art often have considerable financial value.
However, fire insurance takes into account a specific, limited value of works of art. Therefore, it does not provide sufficient coverage to restore the full value of your artwork in case of damage or loss.
Heritage conservation
Works of art are an important part of your family heritage and history.
Art insurance ensures that the art collection remains in good condition. So that future generations can enjoy it just as much.
What does art insurance cover?
Some risks your artworks are susceptible to:
- theft
- restoration damage
- damage during cleaning
- damage during transport
- water damage
Materné, in collaboration with specialised niche insurers, offers a wide range of guarantees to best protect your works of art (e.g. paintings, sculptures, carpets, pottery, ceramics, etc.).
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
My artwork has decreased in value after restoration, now what?
Together with niche insurers specialising in art insurance, this can be accommodated through a tailor-made solution at Materné.
I am purchasing new art, do I have to report it?
This depends on the type of policy you take out.
As an insurance broker, we are your first point of contact to make adjustments where necessary. Materné is happy to help you.
What if restorers and cleaners cause damage to my art collection?
Materné offers specific policies that address these risks.
Being insured at Materné is choosing peace of mind.
I have fire insurance, why do I need separate art insurance?
A fire insurance does not always cover the specific risks to which artefacts are exposed.
Besides the limited coverage in terms of risks, the compensation amounts also do not match the value of your beloved works. Therefore, leave nothing to chance.
My art is outside in the garden, can it also be insured?
This is not common; it depends on which policy you have taken out.
Materné always tests the market for the best solution for you.
Other solutions for optimal coverage
Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.