Le contrat Fine Art
Pierres précieuses, montres, bijoux, tableaux, vin, maroquinerie, collection d’art diverses …
Subscription
Estimer ma cotisation
Afin d’être éligible à la souscription de notre solution et entamer le processus d’estimation, vous devez posséder au moins 3 montres.
Entretien téléphonique
Après réception de votre demande, notre partenaire commerciale prendra contact avec vous par téléphone pour vous présenter plus en détail notre contrat et nos garanties.
Entretien physique
Pour que nous puissions vous proposer une offre personnalisée qui répondra au mieux à vos attentes, nos partenaires experts agréés doivent procéder à l’évaluation de votre collection.
Souscription du contrat
Après l’évaluation des différents éléments fournis, un devis définitif, conforme à vos souhaits, vous sera délivré par nos partenaires courtiers agréés.
Estimate my contribution
Fill out our online contact form.
Read more
For greater confidentiality and security, at this stage, you will only be asked for a pseudonym, a telephone number, and an email address.
To be eligible to subscribe to our solution and begin the appraisal process, you must own at least three watches.
You must provide us with the make, model, and purchase value of each of your watches; this must correspond to the amount (including VAT) indicated on your invoice.
Your annual premium and the “worn value” are then automatically calculated.
In insurance, the “worn value” corresponds to the value of the item worn by the insured during their daily travels (on their wrist or in luggage, for example).
The maximum compensation value for “worn value” represents, on average, 30% of the total amount of your collection.
We generally consider that only one of your items is in this transit situation at a time, while the rest of your collection is secured in a safe at your home and/or at a bank.
However, when you sign up, the contract can be tailored to your needs, particularly if one of your watches represents a significant portion of your total collection. For example, an insured person owns the following pieces:
Rolex Daytona €15,000
Omega Speedmaster €3,000
Breitling Chronomat €2,000
Audemars Piguet Royal Oak Offshore €20,000
Patek Philippe Nautilus in gold €110,000
With our default policy (30% of the total value of your watches):
Value of the collection: €150,000
Value when worn: €50,000
Premium amount: €1,100/year
However, it is possible to adjust your premiums to cover the most expensive item, in this case, the Patek Philippe:
Value of the collection: €150,000
Value when worn: €110,000
Premium amount: €2,200/year
An email summarizing your request will be automatically sent to your inbox.
Telephone interview
After receiving your request, our business partner will contact you by telephone to present our contract and guarantees in more detail.
Read more
This first meeting will allow us to precisely define your needs and indicate the documents and items to prepare in order to best anticipate the next meeting and thus finalize your personalized quote.
Physical interview
In order for us to provide you with a personalized offer that best meets your expectations, our approved expert partners must evaluate your collection.
Read more
This consultation can take place in person, at your home or bank for greater security, or via secure videoconference.
The appraisal involves evaluating several aspects, including:
Identification: Confirming the brand, model, year of production, serial number, and provenance.
Authenticity: Verifying that the watch is authentic by examining the dial, hands, case, and movement.
General Condition: Wear, scratches, and damage are assessed to determine the condition and its impact on the watch’s value. It is also important to analyze whether the watch is in original condition or has been previously restored.
Movement: Examining the movement is essential to determine its accuracy, past maintenance, and quality, particularly for complicated models. The type of movement (mechanical, quartz, or automatic) influences the watch’s value.
Materials: The materials used for the case, bezel, crystal, and bracelet have a significant impact on its value. Documentation: The presence of authenticity papers, original box, warranty, and, of course, invoices are examined. In the absence of an invoice, transfer or inheritance documents may be considered as proof.
History and Provenance: Knowing the history of the watch and its previous owner can influence the value of your watch.
Market Value: Current market trends for similar watches play a role in the appraisal.
To get an initial idea of the value of your items, you can consult the leading websites in this field: www.chrono24.ch; www.cresus.fr; www.watchmaster.com; and www.kronos360.com.
Subscription to the contract
After evaluating the various elements provided, a final quote, in accordance with your wishes, will be provided to you by our approved broker partners.
Read more
This will take into account the risk assessment and other relevant factors, such as the valuation of your collection and its security (value in the bank vault, value in the home vault, value in the carry case).
This proposal will include all contract terms, premiums, and guarantees.
