With our Art & Private Client insurance team, you’re in the care of people with a passion for the finer things in life. They work closely with art galleries, private collectors, restorers, security experts and skilled craftsmen to keep up-to-date with market trends and provide you with the advice and protection that best suits your lifestyle.

Our Art & Private Client policy is designed to provide specialist insurance for high net worth individuals, from exceptional listed and contemporary properties to fine art, collections and jewellery, to cyber-crime. We work with you and your insurance broker to build a policy that suits your lifestyle.

Cover includes:

• Buildings insurance, including exceptional and listed buildings
• Contents, art, antiques and personal valuables insurance
• Cyber cover as standard, which comprises cyber home systems damage, cyber-crime and cyber online liability. Read more about personal cyber security in our guide in collaboration with Blackstone Consultancy. 
• Trustee indemnity cover
• Property owner’s liability up to £10million
• Protection for you and your family including property alteration costs, assault, psychiatric services, medical expenses, sponsorship losses and hole-in-one cover
• Legal expenses cover including inheritance disputes and education admission appeals
• Insurance for working from home and minor use of the home for business purposes, such as gardens open to the public or offering bed and breakfast
• Optional additional covers including, oil contamination, business liability, business cover (for business contents, business money and business interruption) and travel insurance¹
• 0% interest free instalments.

¹ If you're a customer and we've been unable to assist you with travel cover for a pre-existing medical condition please speak to your broker in the first instance. The Money and Pensions Service (MaPS) also has a directory of specialist travel insurers on its Money Advice Service website. Access the directory

Alternatively, you can call the Money Advice Service’s Customer Contact Centre on 0800 138 7777 (Lines open Monday to Friday, 8am to 6pm)

• You also have the option to insure fine art and valuable contents on a stand-alone basis. Simply contact your insurance broker to discuss your personal needs. 
• You can use our helpful contents checklist to calculate the value of your contents and valuables.

Our specialist claims team has an enviable reputation for delivering service excellence. We offer a discreet and personal service, giving you direct access to the claims handler managing your case. The team work closely with artisan repairers to ensure the professional and sympathetic restoration of your irreplaceable possessions.