We provide diamond ring insurance as a standalone insurance policy, we are happy to insure single items or collections of diamond rings. We realise that often it is not possible to obtain diamond ring insurance under a home insurance policy, especially if the value is high. Our specialist diamond ring insurance policy provides an alternative for you offering wide cover on a worldwide basis for your most valuable items.
Our Assetsure policy is especially designed to cover the items you value the most. We have arranged a policy that offers wide insurance cover, with few restrictions or conditions, essential for diamond rings which are often worn continually.
Our policy is arranged on a world-wide all-risks basis, which is basically the widest form of personal possession cover you can obtain. It includes all the covers you would expect to find under a policy designed to cover diamond rings such as; accidental damage, theft and loss. When dealing with a claim and replacing an item our policy has no excess to pay.
Assetsure Diamond Ring Insurance is underwritten at Lloyd’s of London.
Specialist diamond ring insurance gives you the opportunity to insure your most valuable rings without attaching it to any other insurance, usually this is your home insurance.
One advantage of separate diamond ring insurance is that it can help protect your home insurance no claims bonus. If you do need to make a claim for loss or damage to your diamond ring, and it is insured under your home policy, you may find you lose your no claims bonus.
Specialist diamond ring insurance ensures your specific item has a wide range of cover if anything were to happen such as; accidental loss, accidental damage, theft, loss of stone. You’ll usually also be given worldwide insurance cover.
Yes, if you lose or damage the stone or stones in your diamond ring, your policy will cover you. On some high valued rings, we do have a ” settings clause”
where we would expect you to have the settings checked by a jeweller at least once every two years. In many cases, the two year period, starts from the date you buy a policy from us.
Full details of our policy can be found in our Insurance Policy Information Document (IPID) and policy documents which are available on our website and on request and at the time before you buy a policy. For certain high value items, we will inform you if there are any special conditions such as having the settings checked by a jeweller at biannual periods. Your policy schedule will advise you if there are any special conditions beyond those contained in the policy document.
Our insurance can cover more than just diamond rings. We offer flexibility across our insurance policies that can allow you insure engagement rings, wedding rings, diamond rings, sovereign rings, signet rings and more. All you need to do is let us know the details of your ring and we will be able to provide you with a ring insurance quote.
We are often approached for insurance for diamond rings of high value and will consider each case on its merits, many home insurers have a ceiling on the maximum amount they can insure but at Assetsure, you will find that we will consider valuations far an above that allowable by most home insurance companies.
Simply complete one of our online forms or telephone our office. We can usually provide you with a quote and cover immediately if required. We send policy documents by email as soon as cover has been provided and we allow a full 30 days for you to review them.
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
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.
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
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.
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....
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....
When you own items of jewellery, you will want to make sure they are cared for properly. Careful storing and handling will help to keep them looking in excellent condition and of course will protect their value. Precious metals and gemstones tend to increase in value over time and items of jewellery that are not cared for or stored correctly can become easily scratched and damaged thus diminishing their value and attractiveness....
Is getting a jewellery valuation difficult? For many people the answer is yes. Find out how we can help....
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Wearing an item on a regular basis makes it more susceptible to wear and tear, affecting the settings or mounts that hold stones in place; this gradual attrition can weaken the settings leading to the stone becoming loose with the danger of it being lost. Find out more....
Buying an engagement ring can be both a very daunting thought and experience, especially because for most of you, it will be your first time. So here is our guide to helping you understand key elements you should know about Engagement Rings. Hopefully, you will find this information useful for when you visit the jewellers....
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You can find out how much your ring insurance will be today by completing our online quotation form.
Yes, our insurance policies for rings are very flexible. Not only will we insure diamond rings, we will also insure other type of rings, which include, engagement rings, wedding rings, diamond rings, sovereign rings, signet rings and more. Complete the online quote or contact us to receive your quote.
In order to ensure you receive a ring insurance policy that covers the value of your item, it is important you understand the true value of it by getting your ring valued. At Assetsure, for our own Jewellery Insurance policy, we do not insist that valuations are signed by a National Association of Jewellers registered valuer. We can put you in touch with companies that provide online jewellery valuations which will be suitable if you want to buy a policy from Assetsure.
You should insure the item(s) for the full replacement value as new in the UK.
Valuations are normally supplied with new rings but you should seek an update at least once every couple of years.
If you do unfortunately lose or damage the item it’s important to have an accurate valuation to enable an insurer to replace the item for you.
Assetsure have extensive contacts within the Jewellery trade and if you require an updated valuation, please contact us as we may be able to point you in the right direction.
The Assetsure Insurance policy is available to persons over the age of 21
Your policy will be delivered instantly by e-mail. Cover will start from the date you request
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.
The policy has no excess to pay following a claim
Sometimes a stone drops out of a ring and cannot be located, this will be covered by the policy
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.
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.
The Assetsure Insurance policy is underwritten at Lloyd’s of London