Insurance for private collections in Spain
Hiscox Colecciones insures singular collections of many kinds kept in Spain — art, antiques, objects — with the exception of jewellery and watches, which have their own policy. Arranged in English, with the conditions in writing.
What the policy covers, and what it leaves to other policies
Hiscox Colecciones is written for singular collections of different kinds: paintings and works on paper, sculpture, antiques and furniture, books, silver and other objects collected over years.
- Jewellery and watchesNot part of this policy. In Spain Hiscox writes a separate all-risks policy for jewellery and watches — see art, jewellery and watch insurance.
- Collections on sale or on showCollections in a risk situation intended for sale or for exhibition fall outside this policy. Works lent to a temporary cultural exhibition are insured under a dedicated policy — see exhibition insurance in Spain.
Why a collection needs its own policy
A household policy treats a collection as contents, usually with a limit per object and a value that is argued after the loss. A collection policy starts from the opposite end: an inventory, values agreed with you and conditions written for objects that cannot simply be replaced.
We start with the list. The more precise the inventory — artist or maker, date, dimensions, provenance, photographs and any recent valuation — the clearer the proposal.
Where the collection is kept
An insurer looks closely at where the pieces live: the address in Spain, the alarm and how it is monitored, safes and display conditions, and whether pieces travel between homes. If part of the collection is in Portugal, tell us — Hiscox and Chubb write both countries.
Request a collection review
Tell us what you collect, where it is kept and roughly what it is worth.
Ask for a quote — it takes under a minute
Leave just the essentials and we reply within 24 working hours. We ask for the rest by email.
We place this policy with Hiscox, which underwrites in Spain. Every proposal names the insurer and the conditions in writing.
What we will ask for your quote
After the first contact we ask for these details by email. If you have them to hand, you can send them now to insurance@adlerrochefort.com.
- Full name
- Spanish NIE (or passport number if you do not have one yet)
- Address where the collection is kept
- What the collection is and roughly how many pieces
- Total value, and the most valuable pieces individually
- Inventory, photographs and any valuations
- Security at the address (alarm, monitoring, safe)
- Whether pieces travel, are lent or are kept at more than one address
By sending this form you agree to us using your details to prepare and discuss your quote, in line with our privacy policy. We never sell your data. Adler & Rochefort is a trading name of Ownizo, Unipessoal Lda., registered with the ASF under no. 425591790/3.
No obligation to proceed. We may contact you for additional information before obtaining terms, and insurer acceptance and pricing remain subject to underwriting.
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Your request has been received. We will come back to you with a written answer.
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Frequently asked questions
Which collections can Hiscox Colecciones insure?
Singular collections of different kinds — art, antiques, objects — except jewellery and watches, and except collections in a risk situation intended for sale or exhibition.
Are jewellery and watches included?
No. Jewellery and watches are insured under a separate Hiscox all-risks policy in Spain for clients habitually resident there.
What if I lend works to an exhibition?
Works going to a temporary cultural exhibition are insured under a dedicated nail-to-nail exhibition policy, usually arranged by the organiser. Tell us and we will check that there is no gap between the two.
I deal in art. Is this for me?
No. Collections intended for sale, and works at fairs or auctions, are outside this policy. It is written for private collectors.
How long does a quote take?
We reply within 24 working hours. The full proposal depends on the inventory; the sooner we have it, the sooner the terms.
Adler & Rochefort is a commercial brand of Ownizo, Unipessoal Lda., registered with Portugal's ASF under no. 425591790/3, operating in Spain on a cross-border basis from that registration. This page is general guidance, not a statement of what any specific policy covers. Cover, limits, excesses and exclusions are set by the insurer's policy wording, which we explain in writing before you commit.