High Value Jewellery Insurance this Christmas
It’s that unique time of year again when everything is sparkly and bright. Sadly though, it seems all the twinkling lights and glittery things, seem to bring out the magpie in some of us. An article in The Telegraph last December reported on the number of robberies, thefts and burglaries soaring over the Christmas period, with a 20% increase in robberies from the previous year. Far be it from us to dampen Christmas cheer, although these statistics do support a very sensible argument to make sure that any particularly shiny gifts you maybe be giving this year, are correctly insured with high value jewellery insurance.
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Why is high value jewellery insurance so important at Christmas?
One reason for the rise in burglary rates over the Christmas period, is because people leave their homes unattended when they travel to visit friends and family over the holidays. Another is simply that crime spikes on days off and of course when people are drinking more than usual.
There are also geographical factors at play, with relatively few burglaries reported in Lincolnshire and North Wales whilst reports of thefts in Hampshire being amongst the highest in the country. The truth is, wherever you live your home could be a target, especially at a time when many of us have an influx of gifts and valuable objects lying around. The best we can do is to secure against this and be prepared for the worst.
One less thing to worry about with high value jewellery insurance
The good news is that if you have high value home insurance from Highworth Insurance, chances are that more than just your home and existing contents will be covered. Although features vary, typically our policies cover up to 20% of the total insured, meaning that new items, such as jewellery given as gifts over Christmas, will automatically be covered, providing you inform us within 60 days.
Home and contents policies normally start with at least £50,000 of cover and can range up to several million pounds. Because we tailor our policies to your precise requirements, we can also secure all risks cover for lower amounts, for example if your jewellery is the greatest proportion of your contents.
Including your jewellery within a high value home insurance policy gives you added peace of mind over the Christmas period, particularly given that the majority of our inclusion policies come with no need to specify jewellery below £10,000. You can also enjoy worldwide all risks cover for your home contents, jewellery and personal possessions, so even if you are celebrating Christmas abroad this year, you can be confident that your gifts will be covered.
Get a Quote
Can I purchase standalone jewellery insurance this Christmas?
If you’re giving a particularly special gift this year, or possibly planning to ask the big question, you may be considering a standalone policy. At Highworth Insurance we are specialist providers of jewellery insurance and can provide standalone cover including watch insurance and engagement ring policies, tailored to your requirements.
Standalone jewellery insurance policies are tailored to specific items, so any new purchases are not covered unless you notify your insurer. However, you can get cover for up to £1m, with no excess to pay and you’ll be insured for the replacement value of your items. We can also modify the level of cover you need, for example maybe you require worldwide cover for an individual piece or would prefer cover just for Western Europe?
Arrange your jewellery insurance before the big day
Whichever policy is best for you, the important thing is that you make sure you are covered before Christmas and don’t leave it to sort out in the New Year. Our Account Managers will happily discuss your requirements and explain the best options based on your individual needs. You can call them Monday to Friday between 9am and 6:30pm and on Saturdays between 9am and 12:30pm, with the exceptions of Bank Holidays, on: 01202 937430.
Get a Quote
Get a Quote
Why is high value jewellery insurance so important at Christmas?
One reason for the rise in burglary rates over the Christmas period, is because people leave their homes unattended when they travel to visit friends and family over the holidays. Another is simply that crime spikes on days off and of course when people are drinking more than usual.
There are also geographical factors at play, with relatively few burglaries reported in Lincolnshire and North Wales whilst reports of thefts in Hampshire being amongst the highest in the country. The truth is, wherever you live your home could be a target, especially at a time when many of us have an influx of gifts and valuable objects lying around. The best we can do is to secure against this and be prepared for the worst.
One less thing to worry about with high value jewellery insurance
The good news is that if you have high value home insurance from Highworth Insurance, chances are that more than just your home and existing contents will be covered. Although features vary, typically our policies cover up to 20% of the total insured, meaning that new items, such as jewellery given as gifts over Christmas, will automatically be covered, providing you inform us within 60 days.
Home and contents policies normally start with at least £50,000 of cover and can range up to several million pounds. Because we tailor our policies to your precise requirements, we can also secure all risks cover for lower amounts, for example if your jewellery is the greatest proportion of your contents.
Including your jewellery within a high value home insurance policy gives you added peace of mind over the Christmas period, particularly given that the majority of our inclusion policies come with no need to specify jewellery below £10,000. You can also enjoy worldwide all risks cover for your home contents, jewellery and personal possessions, so even if you are celebrating Christmas abroad this year, you can be confident that your gifts will be covered.
Get a Quote
Can I purchase standalone jewellery insurance this Christmas?
If you’re giving a particularly special gift this year, or possibly planning to ask the big question, you may be considering a standalone policy. At Highworth Insurance we are specialist providers of jewellery insurance and can provide standalone cover including watch insurance and engagement ring policies, tailored to your requirements.
Standalone jewellery insurance policies are tailored to specific items, so any new purchases are not covered unless you notify your insurer. However, you can get cover for up to £1m, with no excess to pay and you’ll be insured for the replacement value of your items. We can also modify the level of cover you need, for example maybe you require worldwide cover for an individual piece or would prefer cover just for Western Europe?
Arrange your jewellery insurance before the big day
Whichever policy is best for you, the important thing is that you make sure you are covered before Christmas and don’t leave it to sort out in the New Year. Our Account Managers will happily discuss your requirements and explain the best options based on your individual needs. You can call them Monday to Friday between 9am and 6:30pm and on Saturdays between 9am and 12:30pm, with the exceptions of Bank Holidays, on: 01202 937430.
Get a Quote
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote