Why Choose Specialist Prestige Insurance Advice?
When your home and vehicles represent significant investment and irreplaceable value, standard insurance simply isn’t enough. Whether you’re in Brisbane’s inner-city prestige suburbs like Hamilton and New Farm, acreage properties in Brookfield and Pullenvale, or waterfront estates at Sanctuary Cove and Noosa, our team understands the unique insurance needs of high-value properties and collections.
Beyond property and vehicles, we advise collectors of fine art, antiques, jewellery, wine, classic cars, and other valuable collections. Whether you’re an established collector, gallery owner or someone who’s inherited valuable pieces, we understand that these assets require specialist coverage with agreed values, worldwide coverage, and access to expert loss adjustors and conservators.
We typically advise:
- Property owners with homes valued $2M-$10M+
- Luxury vehicle owners with cars valued $100K-$1M+
- Art collectors and galleries with collections valued $500k+
- Wine collectors with cellars requiring climate-controlled storage protection
- Jewellery and watch collectors with high-value pieces
- Owners of antiques, memorabilia and other collectibles
- Collectors with multiple high-value assets
- High net worth individuals seeking comprehensive protection
We specialise in prestige personal lines insurance for assets exceeding standard policy limits. If your home is valued under $2 million, your vehicle under $100,000, or you don’t have significant collections, a general insurance broker may be better suited to your needs.
Prestige Home Insurance
Comprehensive Protection for Luxury Properties
Your high-value home requires insurance that goes beyond basic building and contents cover. We can help you access prestige home insurance that includes agreed value coverage with no disputes about rebuild costs, protection for architectural features like custom joinery and wine cellars, and high-value contents including art, antiques and designer furnishings. We’ll advise on the options for premium temporary accommodation at a comparable standard while repairs are completed, plus full restoration of landscaping and luxury outdoor areas.
Prestige Motor Insurance
Specialist Cover for Luxury & Performance Vehicles
Standard motor policies weren’t designed for high-performance and luxury vehicles. We can arrange prestige motor insurance that provides agreed value protection guaranteeing your vehicle’s true market value, choice of authorised dealers and specialist repairers, and genuine parts with no aftermarket compromises. We can help ensure coverage includes new vehicle replacement within specified periods, optional track day coverage for performance driving events, and protection for vehicles in storage or occasional use.
Fine Art & Collectibles Insurance
Comprehensive Protection for Valuable Collections
Standard home insurance policies aren’t designed to protect significant collections. If you own fine art, rare wine, jewellery, antiques, or other valuable items, specialist coverage provides protection at assessed replacement value.
Specialist policies typically include:
- Agreed value protection – your collection is insured for its assessed worth, removing valuation disputes at claim time
- Coverage for diverse collections – fine art, photography, wine, jewellery, rare books, musical instruments, antiques, and similar items
- Worldwide protection – coverage can extend beyond your home when items are in transit, on loan, or temporarily stored elsewhere
- Automatic coverage for new acquisitions – policies often allow 30-60 days to notify your insurer of newly acquired pieces
- Experienced claims handling – insurers specialising in collectibles work with valuers and conservators familiar with high-value items
The difference between standard and specialist cover:
Most household policies impose per-item limits and may exclude certain categories. They often settle claims at depreciated value and require proof of ownership that collectors don’t always maintain for every piece.
Specialist insurers structure their policies around how collections are acquired, valued, and maintained. Coverage reflects the actual value of individual items, and claims processes account for the documentation standards common in the collectibles market.
Who needs fine art & collectibles insurance?
Next steps
We work with insurers experienced in high-value collections. If you’d like to discuss cover for your circumstances, contact us to assess your needs and explain your options.
What Makes Our Prestige Advisory Service Different?
Frequently Asked Questions
Why do I need expert prestige insurance advice?
Protecting high-value assets requires specialist knowledge and access to the right insurers. We’ll assess your needs, provide tailored advice on appropriate coverage options, and connect you with specialist insurers whose protection truly reflects your assets’ value. High-value assets require specialist insurers who understand architectural features, imported fixtures, genuine parts requirements, and conservation needs. Standard insurers often can’t provide agreed value coverage at appropriate limits or may not cover unique features like wine cellars, home theatres, performance vehicle modifications, or fine art collections.
How is prestige insurance different from standard cover?
Prestige policies offer agreed values, better coverage limits, choice of repairers, worldwide coverage for collections, and access to specialist claims handling. They’re designed for assets that exceed standard policy limits or have unique features.
What value of home or vehicle needs prestige cover?
Typically homes over $2 million, vehicles over $100,000, or collections over $500,000, but it’s more about features than value alone. Custom homes, collectible vehicles, valuable artworks, or properties with high-value contents often benefit regardless of total value.
How is fine art insurance different from home contents cover?
Standard home contents policies have sub-limits for valuable items (often $5,000-$10,000 per item) and limited worldwide coverage. Fine art insurance provides agreed values for individual pieces, worldwide “all risks” coverage including transit, and access to specialist loss adjusters and conservators who understand restoration of valuable artworks and collectibles.
Do I need professional valuations for my collection?
Yes, insurers require professional valuations for high-value items, typically updated every 3-5 years. We can connect you with accredited valuers who specialise in various collecting categories to ensure your coverage reflects current market values.
What happens if my artwork is damaged?
Specialist fine art insurers work with networks of expert conservators and restorers. Rather than settling for market value less depreciation, they focus on professional restoration to return items to pre-loss condition wherever possible.
Is prestige insurance more expensive?
Premium rates are often comparable or even better than standard policies when you factor in the proper coverage levels and agreed values. You’re paying for comprehensive protection, not just basic cover.
Can I insure my classic car and daily use car together?
Yes, we can arrange prestige motor programs through specialist insurers covering multiple vehicles with different usage patterns, from daily luxury vehicles to weekend collectibles.
Can I insure multiple valuable assets together?
Yes, we can arrange prestige insurance programs through specialist insurers covering your home, vehicles, art collections, jewellery, wine and other valuables with consolidated coverage, often resulting in premium efficiencies.
Important Information: The information on this page is general advice only and doesn’t consider your personal circumstances. Given the unique nature of high-value assets, we recommend personalised advice specific to your situation. Coverage features mentioned are examples only. Actual policy terms, conditions, and pricing vary based on your specific assets, circumstances, and insurer appetite. Appropriate coverage limits should be determined through professional valuation. Before entering into insurance, you have a duty to disclose anything that may affect an insurer’s decision to insure you. Read our Duty of Disclosure. View our Financial Services Guide for full details about our services and remuneration. Clear Insurance Pty Ltd | ABN 41 601 916 689 | AFSL No. 548953
Last updated: 2 March 2026
