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Finding the best policy for you
Buying or receiving an engagement ring, is an important moment in anyone’s life. Finding the correct level of insurance shouldn’t be difficult. We can offer a range of tailored policies suited to your circumstances, such as inclusion within a high value home contents policy or a stand-alone policy designed around you. Whatever you need from your policy, our experienced account managers can offer valuable advice to help find the best match for you.
A stand-alone policy for your engagement ring
Stand-alone policies can offer impressive flexibility as well as being ideally suited to those currently not living in their own home. If a stand-alone engagement ring insurance policy is right for you, then we can offer the following benefits, independently from a home contents policy:
- Enjoy worldwide cover (especially useful if you’re planning a romantic proposal abroad or honeymooning overseas).
- Reduce costs by restricting cover to the UK or Western Europe.
- The right to repurchase a recovered engagement ring subsequent to any claim.
- No excess to pay in the event of a claim.
- An immediate quote is usually available for items up to £20,000
- Insurance available up to £1,000,000 subject to discussion.
- Policy covers loss, theft and accidental damage.
Cover within a home contents policy
Whether you are travelling abroad with your jewellery or worried about leaving expensive items at home, wherever you are, your possessions are sufficiently insured.
Inclusion within a high value home insurance policy
At Highworth Insurance we are specialists in providing high value home policies, offering cover for precious and expensive items such as engagement rings. Cover includes:
- All risks cover on a worldwide basis
- Items worth less than £5,000 automatically covered with no requirement to specify
- Highly competitive premiums when valuable items are incorporated within a home policy
- Instant cover for rings up to the value of £20,000 and more by referral to our underwriters
Look out for restrictions on standard policies
If you are relying on your engagement ring to be covered by your home contents policy, be aware of a £1,000 restriction on valuables often applicable on standard policies. There will usually be an accumulative cap on all valuables often as low as £5,000, i.e. the total value of valuables claimed for, not single item value.
Need to insure more than your engagement ring?
We can also offer cover for extensive jewellery collections. Our most popular high value home policy can cover up to £80,000 of jewellery cover anywhere in the world. We can cover higher sums after a more in depth discussion and referral to our underwriters.
Kindly be aware that not all options are available on all policies and that we recommend carefully checking policy summary and policy wording documents for exact details of the cover applicable to you.