Personal
High-Value Items Insurance
Standard home policies cap what they pay per item, and the cap is far below one good watch. We arrange specialist cover for the assets that deserve their own schedule.
Home contents policies impose single-article limits on valuables, indicatively around ten thousand dirhams per undeclared item and varying by insurer. Anything above that needs to be individually declared or separately insured. For collectors and high-net-worth households in Dubai, that gap between a contents policy and reality is where losses happen.
Specialist high-value cover works differently: items are scheduled individually at agreed values supported by valuations, cover is typically all-risks rather than named perils, and worldwide protection means the watch on your wrist in London or the jewellery travelling to a wedding in India is covered, not just the safe at home. UAE insurers and brokers offer high-value home products with appraisal services, in-transit cover and terms built for serious collections.
We arrange cover for watches, art, jewellery, handbags, wine, classic cars and collectibles, coordinate professional valuations, and keep schedules current as collections evolve. Where a piece leaves the country permanently or a new acquisition lands, the schedule moves with it, and claims are negotiated on agreed values instead of depreciated guesses.
What we arrange
- Agreed-value scheduling for watches, art and collectibles
- All-risks cover including accidental damage and loss
- Worldwide protection and in-transit cover
- Professional valuation coordination
- High-value home packages combining buildings, contents and valuables
- Safe and security requirement guidance
- Single-item and full-collection placement
- Claims advocacy on agreed values
Жиі сұраланатын сұрақтар
Why is my home policy not enough for valuables?
Contents policies cap payouts per undeclared item, indicatively around ten thousand dirhams and varying by insurer. Items above the cap must be declared with valuations or insured separately, otherwise a loss settles at the cap regardless of what the piece was worth.
Do I need valuations?
Yes, for scheduled items insurers require recent valuations or purchase documentation to set agreed values. We coordinate accredited valuations and keep them current, since an outdated valuation means an outdated payout.
Are my items covered when I travel?
Specialist policies offer worldwide cover, so scheduled items are protected outside the UAE, including in transit. Standard home policies rarely extend meaningfully beyond the home, which is the main reason collectors move to specialist cover.
What counts as a high-value item?
Watches, jewellery, art, handbags, wine collections, rare books, memorabilia and classic cars all qualify. If a single piece exceeds your contents policy's per-item limit, it belongs on a schedule.
How are claims settled?
Scheduled items settle at the agreed value on the policy rather than a depreciated market estimate, which is the core advantage. We handle the claim submission and negotiation so settlements match the schedule.
Other cover we arrange
- Life InsuranceTerm, whole-of-life and international HNW plans from providers including Triangle Life, Sun Life and Manulife, arranged through licensed brokers.
- Medical InsuranceDHA-compliant individual and family health plans, from Essential Benefits Plans to international cover with worldwide networks.
- Group Medical InsuranceCorporate health cover for UAE employers, from two-person startups to hundred-strong teams, DHA-compliant and benchmarked on network and price.