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 most jewellery collections will include at least several pairs.
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 and the cover provided on an "All-Risks" basis, which includes: accidental damage, accidental loss and theft.
Unlike most intermediaries, we are quite happy to provide insurance quotes 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.
As well as " All-Risks" insurance, one other valuable cover included is “ Pairs and Sets” typically it is only one earring that is lost or damaged and pairs and sets cover will make sure that you are compensated for the full value for your earrings, if it is impossible to only repair or replace one of them.
We are based in the UK and policies we provide are designed for persons that are normally resident in the United Kingdom, cover is arranged on a worldwide all risks cover with no restrictions on how long you can be abroad.
We've got you covered...
Loss Insurance if you mis-place or accidentally lose your earrings
Earrings are one of the items of Jewellery that are more easily lost. Typically, only one earring tends to be lost. As a customer of Assetsure, you will benefit from the policy we arrange that includes "Pairs and Sets" cover. Under pairs and sets - If any items which have an increased value because they form part of a pair or set are lost or damaged, any payment the insurers make will take account of the increased value.
This offers you valuable protection as it is not always easy to exactly replace a single earring, however that said the crafts persons we work with are adept at replicating almost any item of jewellery to your requirements.
Unfortunately earrings do get stolen, a policy from Assetsure will make sure you are covered if the worst happens.
Your precious earrings are not just attractive to you. Thieves also find them highly desirable and unfortunately thefts do occur either whilst they are being worn or from the home or other location where you are staying. At home items are jewellery such as earrings are the type of items, valuable and easily portable that burglars look for.
With an Assetsure arranged policy you’re covered both at home and away from home including having items stolen whilst you are wearing them.
When away from your home, (or another private dwelling in the UK where you are staying temporarily) your earrings must be either: worn by you, or carried under your close personal control, or kept in a locked safe, or kept in a locked gym locker whilst you remain on the gym premises.
Earrings valued over £10,000 must also be kept in a safe when left unattended at home (or another private dwelling in the UK where you are staying temporarily)
Accidents happen, particularly with small delicate items such as earrings
Take your earrings on holiday and be fully insured, no need to inform us of your travel plans
Going on holiday or business travel, of course you may want to take your earrings with you. You will be covered anywhere in the world against loss, theft or damage with unlimited trips abroad providing no one trip is over 60 days in duration. There are also no restrictions of the countries that can be visited
Find out what makes us different...
Why we stand out...
As a specialist jewellery insurance intermediary, we are able to arrange a stand-alone policy to cover your valuable earrings, either on their own or with other items of jewellery.
Be covered on a worldwide basis for accidental damage, accidental loss and theft.
Premium protection promise
Premium protection promise
We value our customers. Your premium will not be loaded next year by the insurers if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.
Excellent Claims Service
Excellent Claims Service
You can easily report a claim to us by telephoning our claims department who can take instructions from you regarding your loss, or if you prefer, you may email us. Full details are contained in your policy document. We’ll assist you to obtain a repaired or replaced item as quickly as possible.
30 day money back guarantee
30 day money back guarantee
We are so confident in the product we supply that we have arranged with the insurers to allow you 30 days to change your mind and request a full refund, this is rather than the generic 14 days given by most. Even if after the 30 days is up, you decide our policy is not for you, we will refund you all of the insurance you haven't used with no deductions from the return of premium.
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 the policy we arrange, that you will be entitled to a full 30 days to change your mind and obtain a full refund. This is an improvement on the 14 days which is normal. Even if after the 30 days is up, you decide the cover is not for you, we will arrange for your policy to be cancelled and a full pro rata return of premium to be provided (Subject to no claim being made).
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....
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....
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....
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....
Assetsure are a UK Insurance intermediary. We are authorised and regulated by the Financial Conduct Authority and are members of the British Insurance Brokers Association.
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.