Smokeking Store – Vintage Lighters

Collection insurance - is it worth it?

My collection is now valued at over 1 lakh rupees. Wife is asking about insurance. Has anyone insured their collection? Is it even possible in India?

Jan 05, 2026 10:17 251 views

6 Replies

lakshmi_fire

I don't insure mine - the hassle of documenting and proving value isn't worth it for me. I just keep them secure.

Jan 05, 2026 18:25

kavita_delhi

Got a floater policy that covers my collection specifically. Required an appraisal document. Worth the peace of mind.

Jan 06, 2026 21:06

arjun_chennai

For 1 lakh, home insurance should cover it as valuables. Above 5 lakhs, you might need special collector's insurance.

Jan 08, 2026 15:05

rajesh_mumbai

Talk to ICICI or HDFC - they have collector item riders. My friend insured his watch collection that way.

Jan 09, 2026 06:16

arun_zippo

I have my premium pieces listed under home contents insurance. Had to provide photos and receipts. Cost about 2000 per year extra.

Jan 09, 2026 21:31

sneha_lighters

Most standard home policies have a limit per item. If you have pieces over 25k each, you need to declare them separately.

Jan 10, 2026 18:49

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