Peace of Mind for Your Collection
Art Insurance for Serious Collectors
Are You Properly Insured?
Whether your artwork lives at home, in storage, or abroad, the right insurance can mean the difference between peace of mind and permanent loss. Yet many collectors are underinsured — or not insured at all.
A 2024 survey by Ecclesiastical Insurance found that more than 50% of high-net-worth collectors had suffered water damage or breakage — two of the most common causes of loss, both frequently excluded from standard home policies.
Meanwhile, the LA wildfires of January 2025 destroyed billions of pounds’ worth of art — a stark reminder that even the most secure collections are vulnerable.
Why Standard Home Insurance Isn’t Enough
Most household insurance policies do not provide sufficient protection for fine art. Typical shortcomings include:
• Single-item limits of £2,000–£5,000
• Exclusion of accidental damage or mysterious disappearance
• Need to pre-declare specific works
• Lengthy, opaque claims processes handled by non-specialists
Whether your work is worth £5,000 or £500,000, specialist insurance ensures that your collection is properly protected, valued, and supported by experts.
Our Partnership with Ultimart
To make the process easier and more rewarding, we’ve partnered with Ultimart, a UK-based fine art insurance provider trusted by collectors, gallerists, and institutions. Ultimart shares our passion for art and discretion, offering white-glove service and policies tailored specifically for collectors.
Through our referral, you’ll receive exclusive benefits.
What You’ll Receive:
On all eligible artworks up to £100,000 with every purchase
On select pieces up to £50,000, offered at our discretion
Jargon-free documentation and UK-based support
No unsolicited calls — email or text only, and opt-out any time
Why Take Out Insurance Through Lougher?
We’ve seen first-hand what can go wrong — and how proper insurance can make all the difference.
How to Access Cover
No paperwork, no stress. Your 30-day complimentary cover is activated automatically at the point of purchase.
To extend your policy or receive a bespoke quote for your wider collection, we’ll personally introduce you to Ultimart once your piece is delivered.
Ready to Protect Your Collection?
📞 Speak to our team confidentially at 0117 959 6411
📩 Request a bespoke insurance quote at art@loughercontemporary.com
Whether you’re exploring cover for one work or a growing collection, we’re here to help without pressure or obligation.
Legal Disclaimer
We are not insurance brokers and may receive a commission for successful referrals. All insurance services are provided by Ultimart and subject to their terms and conditions. Offers apply to UK-based collectors only. Information correct as of 12/06/2025.
FAQs
Do I need to declare my artwork in advance?
In most cases, yes — but our insurance partner provides flexible policies that allow for adjustments and additions over time.
What’s covered under specialist art insurance?
Typically: theft, accidental damage, fire, flood, transit and storage, and even mysterious disappearance. Always check your specific policy documents.
Can I insure artworks not purchased through Lougher?
Yes. Our referral programme can support both new purchases and existing collections.
Is this available to clients outside the UK?
At present, these insurance benefits apply to UK-based collectors only.