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Frequently Asked Questions

Quick answers about estimates, coverage, and how Objais works.

What is the difference between an estimate and a quote?

A quotation is a contractual, detailed and personalised document: it names the insurer, sets out the precise features of the offer, and is binding. The Objais estimate is none of these things — by design. Generated by our native AI from a single photograph, it gives you a first idea of what insuring your item might cost. It is indicative, non-contractual, and is not an insurance offer or a quotation.This is a deliberate choice: we ask you no personal questions, and we require neither an account nor answers to fifty questions. Without that information, a quotation is simply not possible — and it is precisely this absence of friction that makes the estimate free and instant.If the estimate interests you, you can request a personalised quotation at any time. It is only at that stage that we collect the information needed for contractual offers, underwritten by insurers, to be presented to you.

What is the difference between an estimate and a quote?
A quotation is a contractual, detailed and personalised document: it names the insurer, sets out the precise features of the offer, and is binding. The Objais estimate is none of these things — by design. Generated by our native AI from a single photograph, it gives you a first idea of what insuring your item might cost. It is indicative, non-contractual, and is not an insurance offer or a quotation.This is a deliberate choice: we ask you no personal questions, and we require neither an account nor answers to fifty questions. Without that information, a quotation is simply not possible — and it is precisely this absence of friction that makes the estimate free and instant.If the estimate interests you, you can request a personalised quotation at any time. It is only at that stage that we collect the information needed for contractual offers, underwritten by insurers, to be presented to you.
How does the instant estimate work?
Our AI analyses the photos of your asset and compares them against millions of real-world data points — recent sales, auction results, expert valuations and insurance benchmarks. You get an instant estimate in under 30 seconds. No forms, and no questions, just a snap.
What objects can I insure with Objais ?
For now: yachts, fine art, watches, jewellery, wine collections, antiques, musical instruments and much more. Get a non-binding estimate of your insurance premium simply by taking a photo of the item. If the estimate interests you, we can then offer you a personalised quote. We're regularly adding new categories to meet all your needs.
How quickly can I get coverage?
Two steps, two timelines. You get an instant, non-binding estimate in under 30 seconds. Activating actual coverage takes longer: depending on the asset, the country and the value, an expert assessment and the insurer's approval may be required before the policy goes live.
Are estimates updated over time?
Yes. Our AI tracks market data and can update your estimates if you wish. In that case, you'll be notified whenever an asset's value moves significantly. Important: this updates the insurance estimate in your app, but not the coverage in your policy. To adjust the insured amount with your local insurer, request an update from us through your Objais dashboard — one tap, and your insurer takes it from there.
How does Objais make money?
We're first and foremost an insurance broker — it's been the founders' profession for over 25 years. Our main revenue comes from commissions paid by the insurance companies we work with across Europe and beyond — paid by them, not by you. We also partner with independent service providers (legal, valuation, transport, private AI exhibition, storage, restoration, etc.) on a referral basis: when you connect with one through the app, the partner pays us a referral fee. We don't mark up their prices.
Is my data private?
Yes. We're a licensed insurance broker, regulated and GDPR-compliant. You don't need to register to get an estimate. Photos are encrypted end-to-end. We never sell or share your data with third parties without your explicit, purpose-specific consent.
Which countries do you cover?
We operate across Europe and beyond, with local broker partners in each market. Coverage activation depends on your country and the asset type — your dashboard shows what's available where you are.