Designer Handbag Insurance

The policy is insured by two of the largest insurance companies in the world, which are both A-rated for their financial strength. The Buildings, Contents and Liability cover is insured by HDI Global Specialty SE. The Home Emergency and Family Legal Protection cover is insured by AmTrust Specialty.

Designer handbags aren't just fashion accessories; they’re investment items that can retain or even appreciate in value over time. Brands like Louis Vuitton, Gucci, Hermès, and Chanel produce bags that are often collectible and highly sought-after.

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Insurance helps protect you financially in the event of theft, accidental damage, or loss, which can otherwise be very costly to replace.

• 1, Start a quote under combined home insurance or standalone contents insurance with worldwide all-risks cover. Set your contents sum insured, specify higher-value bags where needed, and upload valuations so your schedule reflects your collection accurately.
• 2. Declare the total value of your bag collection. Where handbags are listed under fine art and antiques, the unscheduled per-item limit is £25,000, as shown in your policy schedule.
• 3. Upload recent valuations for rare or significant handbags. Where a valuation exists in the relevant category, settlement follows policy terms and may include market appreciation up to 150 percent.
• 4. Confirm storage and security arrangements. Cover applies at home, in secure storage, or in transit, subject to policy terms.
• 5. Newly acquired handbags are automatically covered for up to 25 percent of the contents sum insured, if you notify us within 60 days of acquisition.
• 6. Keep a simple inventory with images and condition grades to support claims. Manage your policy and documents online, with support from a dedicated advisor.

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Yes. New handbags are covered for up to 60 days while you obtain valuations and update your schedule, provided you tell us within 60 days of acquisition. Unspecified items have a per-item limit of £25,000, so higher-value bags should be listed as specified items on your insurance policy schedule.

The general rule is that you may need high-value home insurance if you meet any of the following criteria:

• The rebuild value of your home is over £1 million
• Your general contents are worth over £100,000
• You have valuable items that together are worth over £30,000

Yes. Contents insurance covers your belongings, not the structure, so set a separate figure alongside your buildings cover. Premiums and limits differ between the two. With rivr, buildings and contents sit in separate sections, each with its own sum insured and limits.