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Earrings Insurance

Earrings are one of the most popular items of jewellery making excellent gifts. There is a huge diversity in design and style of earrings to suit all occasions and because of this, a collection is often obtained over a period of many years.

Types of popular earring include: diamond studded, pearl, drop earrings and hoop with a variety of different backs to keep them in place. Earrings are small delicate items and easily lost or misplaced, thus obtaining a specialist insurance policy makes good sense.

At Assetsure, we have a policy that has been specially designed to insure earrings & other jewellery 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. This is ideal if your earrings value falls outside the limits set by your own home insurers policy Below we list some of our covers available under the policy which includes cover for,“ Pairs and Sets” typically it is only one earring that is lost or damaged.

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.

Extensive Cover

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

Worldwide Cover

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

Single Pieces or Collections

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"

Protect your no claims bonus

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

First class claims service

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

Insured at Lloyd's of London

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

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Latest News & Advice

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

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

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....

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Your Questions Answered

How much should I insure my jewellery for?: You should insure the item(s) for the full replacement value as new in the UK.

Are there any Age restrictions?: The Assetsure Insurance policy is available to persons over the age of 21

When will I receive my policy?: 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?: 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?: The policy has no excess to pay following a claim

If I lose a stone will I be covered?: 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?: 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?: 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?: The Assetsure Insurance policy is underwritten at Lloyd’s of London

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Get a Quote

Why choose our specialist cover?

Earrings Insurance