Jewellery insurance

Are you having difficulty getting your jewellery correctly insured?

Finding the right level of cover for you
Beautiful items such as necklaces, watches, earrings and bracelets are designed to be worn, seen and admired. When it comes to jewellery insurance it is important to know how much your jewellery is really worth and invest in the appropriate level of cover.

At Highworth Insurance we understand that you need to be sure that your jewellery, watches and precious stones are insured should the worst happen, whilst secure in the knowledge that you’re not paying over the odds for your premium.

Stand-alone jewellery insurance
We offer a stand-alone jewellery insurance policy, independent from your home contents insurance. Benefits include:

• Choose to have worldwide cover or to reduce your costs by restricting cover to Western Europe or just the UK.
• No excess to pay in the event of a claim.
• The right to repurchase any recovered items subsequent to any claim.
• Cover available up to £1,000,000 with an immediate quote usually available for items up to £20,000.
• Our stand-alone policy covers a wide range of circumstances such as theft from your home or your person, or accidental damage, for example losing a stone or part of setting.

Our stand-alone jewellery insurance policy is underwritten by Catlin Insurance Company (UK) Ltd; a global insurer with one of the best credit ratings in the world. For more detailed information, please read the key facts and policy wording documents.

Inclusion within a high value home insurance policy
Many people assume that their valuable jewellery will be covered on a standard home contents policy. However, it can be common for many insurers on a standard policy covering £50,000 of contents to restrict all valuables to £10,000. This could mean that in the event of a claim the maximum the insurance company would pay out for items of jewellery is £10,000.

At Highworth Insurance we specialise in high value home insurance policies which offer remarkable levels of cover, especially if you are looking to cover valuable jewellery and watches. Cover can include

• All risks cover on a worldwide basis
• Items worth less than £15,000 automatically covered with no requirement to specify
• Highly competitive premiums when valuable items are incorporated within a home policy

At Highworth Insurance, we believe in making insurance comprehensive and hassle free, including jewellery insurance. This is especially important given the emotional attachment to items such as engagement rings and wedding rings or loved pieces that have been passed down through generations. These items are of course sentimentally irreplaceable, however in the event of anything happening to your more treasured possessions, it’s always good to know that the financial stress will be considerably less than the emotional upset.

Cover is available for a wide range of articles including:

• Watches
• Rings
• Engagement rings
• Jewellery
• Works of art
• Clocks
• Sculptures
• Antique furniture
• Rare books
• Wine collections
• Stamp collections
• Coin collections

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