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Charm Insurance

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Home / Jewellery Insurance / Charm Insurance

Charm Insurance

Charms Insurance

Charm collecting has been popular for centuries and for lovers of jewellery it represents not only the pleasure of being able to wear your charms, but the ability to add to the collection over a period of time as charms become available.Charm bracelets often become a talking point amongst families and friends with the owner usually choosing to focus on one particular type of theme such as; designer, material, type of animal or even brand such as Pandora. For this reason, charms make excellent gifts and presents with the owner being particularly pleased to receive a charm that fits in with their chosen theme.Over a period of time, a charm bracelet can become quite valuable with some owners acquiring so many that they cannot all be worn at the same time.

At Assetsure, we have a policy that has been specially designed to insure charms and charm bracelets which is securely underwritten at Lloyd’s of London. Unlike most insurers, we are quite happy to provide insurance for single items, and we won’t insist you insure the rest of your home contents with us. Our policy is thus ideal if you are in this situation and only want to cover a small number of valuable items. Often a collection of charms falls outside the monetary limits of a standard home insurance policy and if you have a collection, we should be able to assist you with insurance.

We are based in the UK and our policies are designed for persons that are normally resident in the United Kingdom, we provide worldwide all risks cover with no restrictions on how long you can be abroad.

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Extensive Cover icon-thin-chevron-down

Our policy provides all-risks cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.

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Worldwide Cover icon-thin-chevron-down

You are covered anywhere in the world for trips up to 60 days.

Single Pieces or Collections icon-thin-chevron-down

We can insure single items of jewellery such as rings, earrings & pendants or whole collections. For smaller items you can insure on an "Unspecified basis"

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Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance

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First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free

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Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.

Latest News & Advice

Jewellery Valuation

Jewellery Valuation

Your jewellery will be amongst your most treasured possessions and of course we at Assetsure will be pleased to provide insurance for you, either on a single article basis or for your whole collection. Insurance though will never compensate for the loss of a treasured item and we hope this never happens, but at least by having an up to date jewellery valuation, you can help to make sure that an item is replaced with one of similar value....

Keeping Jewellery Safe

Keeping Jewellery Safe

At Assetsure, we can provide insurance for your most precious items of jewellery but our compensation will never replace a cherished item or family heirloom. Sometimes, protecting your valuables is as simple as taking a few common sense steps to safeguard them. Here are a few of our tips based mainly on studying the typical types of insurance claims received for loss or damage to jewellery....

Diamond jewellery grading

Diamond jewellery grading

When you buy a new piece of jewellery such as a diamond ring, you may not realise that before the diamond has been set in to a ring by the jeweller or supplier, the gemstone (especially if it is of a decent quality) will have been graded by an independent laboratory who will have set down an unbiased opinion of its attributes and characteristics....

Your Questions Answered

How much should I insure my jewellery for? icon-thin-chevron-down

You should insure the item(s) for the full replacement value as new in the UK.

Are there any Age restrictions? icon-thin-chevron-down

The Assetsure Insurance policy is available to persons over the age of 21

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly by e-mail. Cover will start from the date you request

How long does it take to arrange insurance? icon-thin-chevron-down

In most cases, we can provide cover the same day that you request it, simply use our calculator and you can buy the insurance online immediately. In cases where we cannot quote online, we endeavour to provide you with a quotation within 24 hours during the week.

Is there any excess to pay following a claim? icon-thin-chevron-down

The policy has no excess to pay following a claim

If I lose a stone will I be covered? icon-thin-chevron-down

Sometimes a stone drops out of a ring and cannot be located, this will be covered by the policy

How will you settle my claim? icon-thin-chevron-down

The most we will pay in total for each incident of Loss is the Amount insured which you choose when you take your policy out. Please make sure this to sufficient replace your item at UK retail prices.

How do I prove what my item is worth if I need to make a claim? icon-thin-chevron-down

In the event of any claim being made for Loss of or Damage to any insured item, the onus of proving the existence, ownership and value of the item shall be upon you to prove. We accept the following items as proof of existence and Ownership;

For Items less than 5 years old
A personalised and dated purchase receipt or bill of sale detailing the insured item.
A debit or credit card or bank statement detailing the amount paid.
If a private sale, dated correspondence relating to the sale such as a letter or e-mail identifying the seller of the item.

For Items more than 5 years old
Any of the above items.
Photographic or other dated documentary evidence such as a personalised valuation or service receipt.
A valuation with full description of the item from a United Kingdom based Jeweller or Valuer stating their contact details and business credentials.

Who will I be insured by? icon-thin-chevron-down

The Assetsure Insurance policy is underwritten at Lloyd’s of London