Le contrat Fine Art
Pierres précieuses, montres, bijoux, tableaux, vin, maroquinerie, collection d’art diverses …
Our Services
Your guarantees
Our service is exclusively reserved for collectors.
The reliability of our clientele and the reputation of our partners allow you to benefit from optimal protection at a reduced cost.
The policy is designed to provide comprehensive coverage for any watch for which the policy was taken out, at the agreed or declared value.
The insured benefits from compensation at the same replacement value, with no sub-limits.
In the event of a partial loss, the insured is covered for the cost of repairs carried out by our professional partners.
| All damage to watches, including accidental breakage | ✅ |
| Aggravated robbery | ✅ |
| Natural disasters and technological disasters in the event of a decree published in the official journal | ✅ |
| Attack or act of terrorism | ✅ |
| Additional costs and expenses (rescue measures required after a disaster, transport and storage, etc.) subject to our prior agreement | ✅ |
| New acquisitions (within 90 days and up to 15% of the total insured) | ✅ |
Watches not declared to the insurer are not insured.
Main Exclusions
• Mysterious disappearance and simple theft
• Damage resulting from gradual or normal deterioration caused by use and time, rust, mold, germination, or condensation
• Deformation or shrinkage
• Damage caused by moths, vermin, wood-eating insects, variations in humidity or temperature, or exposure to light
• Damage resulting from a lack of maintenance or repair, or from the policyholder's obvious negligence
• Foreign or civil war
• Any nuclear reaction or radiation, or subsequent contamination by radioactivity
• Any chemical, biological, or bacteriological contamination
• Presence or use of asbestos
• Confiscation, expropriation, nationalization, or requisition
Main Restrictions
• An amount may remain the responsibility of the insured (deductible)
• Coverage is limited to the insured amounts declared by the insured or approved by the insurer for each work at the time of subscription.
• In the event of a claim, and in the case of declared value coverage, the insured must provide proof of the value, ownership, and authenticity of the property by any means.
• Coverage is generally provided worldwide, but may be subject to restrictions to one or more risk addresses mentioned in the Special Conditions.
• In the event of replacement or restoration, these must be carried out by the insurance product's partner professionals.
