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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.

We've got you covered...

Accidental Loss

We’ve got you covered if you mis-place or accidentally lose your charms
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Accidental Loss

Small items are easily lost

A charm bracelet can contain up to 10 charms, sometimes more and there is always the possibility that one or more will be lost. Our policy will cover you against loss of charms and as there is no excess to pay. We'll pay for the loss of a complete bracelet or individual items

Theft

Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Theft

Thieves also admire Charm Bracelets

Whilst wearing your items, you are covered if someone steals them from you, for example in a street robbery. You are also covered if someone steals them from your home or another place where you are temporarily staying. Please refer to our policy wording for full details of how your items are co

Accidental Damage

Accidents happen, we ensure that your item can be repaired or replaced.
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Accidental Damage

Covered for Accidental Damage

Charm Bracelets are more susceptible to accidental damage than many other types of jewelley and we will cover you against accidental damage to the bracelet and any of the individual charms. There will be no excess to pay in the event of a claim.

Worldwide Cover

Giving you the peace of mind that you can travel and still be protected
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Worldwide Cover

Cover for your Charm Bracelet against : loss, damage or theft.

We insure Uk residents charm brackets anywhere in the world, we have no country restrictions and there is no need to tell us of your travel plans. You can travel as often as you like providing no one trip is over 60 days in duration.

Why we stand out...

We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis

Premium protection promise

Premium protection promise

We value our customers. Your premium will not be loaded next year if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Treating you fairly...

We will not charge you any additional admin fees to make amendments to your policy or to cancel. We won't use enticing introductory offers to draw you in as we believe the price should be good from the start.

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Start here. Get a quote for your first item now…

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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