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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. We understand that you need to be sure that your jewellery is insured, whilst secure in the knowledge that you’re not paying over the odds for your premium.
Comprehensive and hassle free
We believe in making jewellery insurance comprehensive and hassle free. 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 sentimentally irreplaceable and in the event of anything happening them, it’s always good to know that the financial stress will be considerably less than the emotional upset.
Jewellery insurance tailored to you
We advise our clients to carefully check their policy summary and policy wording for exact details of cover applicable to their circumstances. Our experienced account managers are available to assist you with this and to help insure that you have the right level of insurance to suit your circumstances. Please be aware that not all options are available on all policies.
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.
Cover within a home contents policy
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.
Inclusion within a high value home insurance policy
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.
- All risks cover on a worldwide basis
- Items worth less than £15,000 automatically covered with no requirement to specify with some insurers
- Highly competitive premiums when valuable items are incorporated within a home policy
Sometimes standard cover is not enough
Many people assume that their valuable jewellery will be covered on a standard home contents policy. However, it is important to remember:
- Standard home insurance policies typically restrict their limit for jewellery. For example, you could find that valuables such as jewellery are covered up to a total of £10000 and cover for individual items of jewellery is restricted to £3000.
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.