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Looking for a diamond ring insurance policy?

We provide diamond ring insurance as a stand alone insurance policy, we are happy to insure single items such as engagement rings or eternity 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 policy provides an alternative for you offering wide cover on a worldwide basis for your most valuable items

What do we cover?

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 valuable items 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.

Is loss of the stone covered?

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.

Do we have any restrictions?

Full details of our policy can be found in our key facts and policy documents which are available on request. 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 bi annual periods.

Do we have any valuation limits?

We are often approached for insurance for diamond rings of high value and will consider each case on it’s merits, many home insurers have a celling on the maximum amount they can insure but with Assetsure, you will find that we will consider valuations far an above that allowable by most home insurance companies.

Obtaining a quotation

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've got you covered...

Accidental Loss

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

If you lose you precious diamond ring we'll have it covered

Losing a previous diamond ring can be a worry and although we can never replace sentimental value, we can work quickly to provide you with a replacement. As well as engagement rings, we can insure any type of ring containing diamonds (or other precious stones)

Most losses of jewellery occur away from the home, either the whole ring or one of its components such as the diamond or one of the smaller stones contained on or within the band.


Loss of stone

Precious stones get lost our cover ensures you can replace it if it’s lost.
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Loss of stone

We cover loss of all stones from a ring.

Over time stones in a ring can work loose and if they fall out, they are easily lost, especially the smaller ones which may be contained on the shoulders or set in to the band of a ring.
We cover all stones in your ring including the smaller ones. There is no excess to pay either so items are replaced without deduction.

Accidental Damage

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

Cover for repairs following damage

Precious metals and stones can be damaged.

With any item, you would expect natural ageing, wear and tear but sometimes more serious damage can occur.

Whilst diamonds are arguably one of the hardest naturally occurring substances found on Earth, they can surprisingly be damaged quite easily, particularly if the shape is an unusual one such as in the case of pair shaped diamonds. Following an accident, stones may drop out of a ring and we can pay for a jeweller to reset them for you.

Damage to the integrity of the ring itself such as to the claws and settings can also occur and all of these scenarios are also covered by an Assetsure policy..

Worldwide Cover

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

Your Diamond Rings are covered anywhere in the World.

We insure Uk residents jewellery 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.

Your Jewellery will be insured at Lloyd's’ of London the internationally recognised insurance market. Starting in 1688, Lloyd’s has been a pioneer in insurance and has grown over 330 years to become the world’s leading market for specialist insurance

Theft

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

Diamond Rings covered against Theft

Whilst wearing your rings, you are covered if someone steals them from you.

If you are burgled, items of jewellery are the items most prized by thieves and most likely to be stolen. An Assetsure policy will protect you against theft with no excess to pay in the event of a claim.

If your diamond rings are worth in excess of £10,000) we’ll expect you to have a safe at home.

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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Latest News and Advice

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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....

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....

Jewellery Cleaning and Care | An Assetsure Guide

Jewellery Cleaning and Care | An Assetsure Guide

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....

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