High Value Assets Insurance

Standard home insurance policies have per-item limits (often AED 5,000–25,000) and typically require locks to be forced for theft claims. Specialist high-value cover provides all-risk, agreed-value protection without these restrictions.

For items over a certain threshold (typically AED 50,000+), most insurers require a certified appraisal from an accredited valuer. We can help arrange this through our network of UAE-based professional valuers.

Agreed value means both you and the insurer agree on the item's value at the time of taking out the policy. If a claim is made, you receive that agreed amount — rather than the insurer deciding the current market value at claim time.

Yes. Worldwide coverage means your items are insured wherever you take them — whether on holiday, business travel, or transit. Some policies may have per-country exclusions (conflict zones), which we will clarify.

We recommend reviewing your sums insured annually as market values fluctuate. Our team will remind you at renewal and help arrange revaluations if required to ensure you are never under-insured.

Claims can be settled by cash payment at the agreed insured value, or by the insurer arranging specialist replacement/restoration through approved restorers and dealers. We advocate for the settlement method that works best for you.