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The best starting point is to catalogue and photograph every item from your collection. If you ever have to make a claim you can then provide evidence you have it in your collection. This could be a daunting task but the more data you provide, the better service you will get.

Once you have catalogued and photographed your collection you can then start looking for an insurer to cover you. Most 'collections' are covered in the Home policy section but not always - do not assume a collection is automatically included in a home insurance policy. Always do your research and do not be afraid of calling the insurance company and talking it through with a human being. 

Please note, we do not work for an insurers. We have had conversations with insurers for this section and they all suggest the following: 


  1. Catalogue

  2. Read the fine print - do not assume a collection is automatically included in a home insurance policy

  3. Talk to someone

You can always find advice from well intended phans and they may suggest two options which we do not agree with. They are:

Some suggest entering the price you paid for the item in the collection catalogue. Personally we think it is not needed by the insurers and do you and your family really want to know how much money you have spent? 

Another option some suggest is to get a valuation of your collection but before COVID-19 each valuation was valid for three months. Since COVID-19, most valuations have a shelf life of one month and all the valuation does is show you owned that item at that time. There is no proof you still have it in your collection since the valuation date. You could have traded, sold it or even lost it.

How to Insure your Phantom Collection

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Recent Phantom Happenings

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