Independent Expertise for Insuring Luxury Fashion
Fashion is often overlooked, while exceptional pieces should be insured with the same consideration as art.
The Fashion Appraiser provides insurers, insurance brokers, claims teams, loss adjusters and private-banking advisers working with HNWIs with independent specialist expertise in designer handbags, accessories, couture and collectible fashion. Each report is prepared for practical professional use, with valuations supported by specialist market knowledge, relevant international market data and current developments within the secondary market. This provides clear, substantiated reporting that stands up in underwriting, claims handling and, where required, third-party review.
Underwriting & Policy
Establishing the right insured value before a claim ever arises and keeping it accurate.
Substantiated market and replacement values for policy schedules and premium calculation, per object or per schedule.
Assessment of the complete collection rather than individual pieces, where needed with a quick scan indicating which objects merit further examination.
Regular reassessment of insured collections as the luxury resale and collector markets move, preventing structural under- or over-insurance.
Identifying schedules valued above the current resale and collector market, so premiums and settlements rest on realistic figures rather than historical retail prices.
Claims & Disputes
Independent substantiation when a claim, a loss or a disagreement requires expertise.
Thorough authenticity assessment ahead of settlement, documented with the specific characteristics on which the conclusion rests.
Condition reporting, description of damage and assessment of diminished value following damage, restoration or repair.
Professional documentation and valuation substantiation prepared specifically to support a claim file, including theft and total-loss matters.
An independent expert assessment where parties disagree, where a valuation is contested or where a complex claim requires specialist review.
Documentation and valuation before risk is accepted, and reassessment after loss, theft or damage, with a clear before-and-after position.
Practical support in determining replacement routes, availability, waiting lists and realistic replacement cost in today's market.
Advisory for high-value clients
Additional expertise for private banking, wealth advisors and high-value private policyholders.
Investment Pieces
Advice on pieces with genuine collector, scarcity or investment relevance, and how that affects the value to be insured.
Future Acquisitions
Independent assessment of desirability, rarity, market position and longer-term relevance before a significant acquisition.
Collection Strategy
Guidance on building, documenting, protecting and periodically reassessing a valuable fashion collection.
How I work
Independent
No ties to dealers or suppliers; the opinion stands entirely apart from any sales interest.
Traceable
Every value can be traced to specialist market knowledge, comparable transactions and documented market data.
Discreet
Confidential handling, strict NDAs and protected reporting throughout the file.
Efficient & Structured
Assignments are handled promptly and systematically, with a defined scope, clear communication and professional documentation.
Submit a professional enquiryIntegrity is not a promise. It is how I work.