What insurance companies insure art?
 

own question in the topic: who does it?

Artdealer, and you did not Artdiler? Like, your nickname and commits himself to know about it. : p

Alain, a man, who artdilerstvom, which includes many areas, can not understand at all, so I'm asking council)

I saw the ad in AlfaStrahovanie ArtChronika. How realistic they are engaged in the insurance of private collections, and how expensive things sequins - I can not judge, but in advertising articles promise to exercise sensible approach. theoretically insure the art is not difficult, but the problem is formally evaluate the insurance value. But this is a whole rigmarole. To rate, you do not have doubts about the attribution, that pulls the examination, etc. If you believe the insurers take into account the informal evaluation, the scheme will work.

Artdealer, but there is still alpha in my Spassky Gate, but it all depends on the evaluation. Unfortunately, this market has yet to end in Russia are not in place ... and you just want to insure it or you need to transport?

AlfaStrahovanie
 

I fear AlfaStrahovanie. They react very quickly, and sent a courier with the instruments you mentioned address.
Insurance premium for all companies the same, but AlfaStrakhovanie service better. (To the moderators - I do not do advertising, just to express my opinion).
Insure things mostly in order to obtain a permit for temporary export outside of Russia (exhibition review). Without insurance no permission is obtained.

Assessment
 

The evaluation work done in Rosokhrankultura. For her and determined the amount of insurance premiums.

Informative, thank you. And what, by the way, the insurance premium? I am a novice in these matters, but just curious. And interestingly, there have been whether anyone ever real insurance cases? It then pays the insurance company a full refund or here as in car insurance - the victim always loses?

Premium
 

Not so long ago insured item valued Rosokhrankultura of 2 million rubles. for ten years. Insurance premium paid in the amount 11000rub, ie quite expensive! But it all depends on the degree of risk,
  conditions of transportation and storage, insurance purposes.
Instances when I had to apply for the payment of insurance for me, ugh - ugh no! What you and I wish!:)

I wonder how reliable experts estimate Rosokhrankultura thing? How much you yourself would be appreciated? In the same 2 million? Or maybe in 4 or 6? Can you guess why clone? If, for example, experts Rosokhrankultura understate the value of a safety thing, and then refund you in case of emergency, get the appropriate (and the experts may well do so if, for example, insurance companies they personally pay extra, as is happening in the same market motor).

Of course, no insurance companies are no experts for undervaluation not pay extra - the higher the score, the higher the premium received by the insurer. Another thing that experts Rosokhrankultura often overstate the assessment, and this has to fight, at least, it happens almost always when you think about work for export abroad.

Well, the size of the insurance premium depends not only because of the appraised value of the thing, but the interest rate to the fees for insurance (I do not know exactly how they have them, it is called), but in a cartel of insurance companies that bid can be any of that everywhere we are seeing in the auto insurance market. They come that way - understate the cost of safety, in case something less pay.

In fact, judging by your words, the opposite situation also carries with it certain disadvantages. But when the insured event more likely to receive a full refund, although, of course, the insurance company will be hard to try to reduce the size of the payment.

Also recommend Alpha as the most positive and prompt the insurer on the art market.
In the example, the price has recently been insured transportation exhibition in Moscow, there and back, costing 350 thousand euros. The prize was about 12 thousand rubles.
With regard to the size premium, it is uniquely difficult to call. Everything depends on the specific conditions and risks, which can evaluate only the insurance company.

Course of those elements you identified, the insurance premium depends. Rates are determined based on the list of risks of which are going to insure their property. Also do not forget about the possibility primeneneniya insurance companies raise or lower rates. Applications are made directly dependent on the conditions of storage, transportation, facility report 'and in the premises (describe premises), security, fire and other measures.

And the insurance of works of art deals with no small number of insurance companies. This Ingosstrakh (major - major public exhibition projects), and the Alfa Insurance (specialization - any art), and VTB Insurance (specialization - any art), and Russian World (specialization - public exhibition projects), and SOGAZ (specialization - any art) .

d_atiquariato,
Rosokhrankultura by law, has no right to assess a market value of any objects. Read Assessment Act. According to this law Estimator is a legal entity or private employer with staff (Yuriko for at least two) with specialized education in this area and consists of a profile of self-regulating organizations. Rosokhrankultura - state bodies and to conduct an assessment can not.
Rosokhrankultura moglaby only recommend an appraiser, but it does not hold atestatsiyu appraisers engaged in this self-regulating organizations such as NGO (Russia Society of Appraisers)