Guides, checklists & practical advice

Resources for collectors
& dealers

Understanding your insurance options starts with understanding your collection. Browse our guides or jump straight to the section that applies to you.

I am a Collector I am a Dealer or Trade
Private Collectors

Guides for private collectors

Whether you are new to insuring your collection or reviewing existing cover, these guides cover the key questions collectors face.

Understanding Agreed Value Cover

Standard home insurance pays out at replacement cost. Agreed value cover pays what your item is actually worth on the collector market. Here is why that difference matters.

  • What agreed value means in practice
  • How grading affects insured value
  • When to update your valuation
  • The role of CGC, CBCS, PSA, and BGS grades
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Home Insurance: What It Misses

Most home insurance policies were written before the modern collectibles market existed. Here is a plain-English breakdown of the typical gaps.

  • Single article limits and how they apply
  • Exclusions for items in transit
  • What "new for old" means for collectibles
  • Why wear and tear clauses matter
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Insuring Your Comic Collection

From longbox runs to high-grade slabs, comic collections require specialist underwriting. This guide covers what to consider when arranging cover for comics.

  • Raw vs graded cover considerations
  • Valuing key issues and first appearances
  • Storage and security requirements
  • Cover at comic conventions and shows
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Trading Cards: A Fast-Moving Market

Pokémon, sports cards, Magic: The Gathering — card values can move dramatically. Your insurance needs to keep pace. This guide explains how.

  • Graded vs raw card valuations
  • Pop report scarcity and its effect on value
  • Covering new acquisitions
  • Transit cover for PSA and BGS submissions
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Coins, Banknotes & Stamps

Numismatic and philatelic collections present unique valuation challenges. Condition is everything, and condition-based value must be reflected in your cover.

  • NGC and PCGS grading and insurance
  • Face value vs collector value
  • Cover for entire sets and individual key pieces
  • Auction house and dealer consignment cover
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Memorabilia & Vintage Posters

Entertainment memorabilia and vintage posters are among the most subjective categories in the collectibles market. Provenance and authenticity are central to value.

  • The role of provenance documentation
  • Authentication and its effect on insured value
  • Cover for display items and framed pieces
  • Signed and screen-used item considerations
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Dealers & Trade Professionals

Guides for dealers

Running a dealership in the collectibles market involves insurance exposures that standard shop or home business policies rarely address.

Stock Cover: The Dealer's Basics

Your stock is the heart of your business. Whether it sits in a unit, a spare room, or a market stall, it needs proper protection at every location.

  • On-premises and off-premises cover
  • Market, fair, and convention stock
  • Stock held at auction houses
  • Online sales and postal transit
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Customers' Goods in Your Care

When a customer leaves items with you for sale, grading, or inspection, you take on legal responsibility for them. This guide explains the cover you need.

  • Bailee liability and what it means
  • Consignment stock cover
  • Grading submissions on behalf of clients
  • Record-keeping requirements
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Fairs, Markets & Conventions

Trading at events brings specific risks — theft, accidental damage, public liability, and transit to and from venue. Here is what a dealer policy should include.

  • Stock in transit to and from events
  • Display stock at the table or stand
  • Cash and card reader cover
  • Public liability at events
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Before you apply

Collector preparation checklist

Having this information to hand will make your quote process faster and more accurate.

  1. 01A current inventory of your collection with descriptions and approximate values
  2. 02CGC, CBCS, PSA, or BGS certificates for any graded items
  3. 03Purchase receipts or provenance documentation where available
  4. 04Details of your home security (alarm, safe, CCTV)
  5. 05Information on any items stored away from your home address
  6. 06Details of any planned exhibitions, shows, or auction consignments
Frequently asked questions

Common questions

Not necessarily. For most collections a blanket value with a per-item sublimit is appropriate. High-value individual pieces — typically above a threshold agreed with the underwriter — may need to be scheduled separately. We will advise you on the right approach for your collection.
The grading certificate (CGC, CBCS, PSA, BGS etc.) is the starting point. We also look at recent comparable sales data from Heritage Auctions, Goldin, eBay, and similar platforms to establish an agreed value that reflects the current market.
Exhibition and show cover is included within our collector policies as standard. This covers your items while in transit and while on display at the event. Please tell us about any regular or planned exhibitions when you apply.
You should notify us whenever the value of your collection increases materially. We can arrange an endorsement to increase the sum insured. Failing to keep the value current could result in underinsurance, meaning a settlement at less than the full loss.
No. Sartorex Group Ltd arranges insurance in its capacity as an accredited Lloyd's of London Broker. The actual insurance is provided by specialist underwriters at Lloyd's of London and other London Market insurers. All coverage is subject to underwriter acceptance and policy terms.