What standard policies miss
Most home policies cap fine art and jewellery well below their replacement value, and exclude transit, exhibitions, and unattended loss.
What specialty cover adds
- Agreed value — the insurer pays the agreed amount, not the depreciated value.
- Worldwide all-risk — covers transit, exhibitions, and temporary storage.
- Newly acquired items — a window of automatic cover for recent purchases.
How OBJAIS placement works
We help you list your items in the OBJAIS App and pre-estimate your insurance premium from your catalogue (an indicative, non-binding estimate). If you're interested in the estimate provided, we then look for a suitable specialty insurer and send you the quote.