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High Value Jewellery Insurance

At Assetsure, we have a policy that has been especially designed to cover high value jewellery. This policy is completely independent of a home insurance policy .We will be pleased to offer quotations for single items of jewellery or collections. We will consider most scenarios for cover and we accept high single item sums insured.

We consider each case on it’s merits. We are flexible as well when it comes to the terms and conditions provided, we do our best to tailor make cover to suit your needs and lifestyle.

We realise that it is often difficult to obtain cover on high value jewellery as many insurers impose strict limitations on the maximum value that can be accepted under a policy wording. By insuring your high value jewellery on a specialist policy, you can keep your home insurance ( and its valuable no claims bonus) separate

Cover Available

We offer insurance on a world wide all-risk basis, and our policy has no excess to pay in the event of a loss. We have no limit on the number of trips abroad you can make ( maximum duration any one trip 60days) We also include additional covers such as pairs and sets to offer you a wide comprehensive policy wording.

What values can be covered?

Naturally for very high values we consider each case on it’s merits and we will need to speak you to fully understand the risk being proposed. You will find our staff knowledgeable and helpful.

How to obtain a quote

To obtain a quote, simply complete one of our online forms or if you would prefer telephone our office. You will find it easy to contact our company and be pleasantly surprised at the speed we will deal with your enquiry. We have in-house authority for most items but on occasions where we do have to refer cover, you can normally expect an answer the same day.

Obtaining Insurance

We email our quotations as soon as provided and if you wish to accept our offer of insurance, we can arrange cover in a matter of minutes, we have a variety of payment methods and we provide full policy documents by email immediately cover is placed. We provide our high value jewellery customers with 3 days to review our policy and it’s features.

Assetsure High Value Jewellery Insurance is fully underwritten at Lloyd’s of London.

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

Can you afford to replace a high value item of jewellery ?

As well as the loss of sentimental value, there is also the economic aspect of a loss to consider. High value jewellery items such as engagement rings are funded by various methods but most people would admit, they wouldn’t fancy having to replace the item out of their own money.

A policy from Assetsure, which includes Accidental Loss can provide protection if the unexpected happens and as there is zero excess, your replacement item will be fully funded up to your chosen sum insured.

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

The stone is the most expensive part.

We believe that the stones are the most important part of any item of jewellery, certainly they are usually the most expensive component to replace. Loss of any of the stones in items of jewellery is covered by our policy.

This even includes the very tiny stones that for example are a feature of Halo Rings.

There is no excess to pay in the event of a loss.

Accidental Damage

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

Cover for Breakages and Damage

Items of jewellery such as engagement rings that are worn almost constantly are prone to become damaged.

Wear and tear and cosmetic damage occurring over a period of time is not covered, but anything that happens suddenly, such as you accidently banging the ring against an object and the stone chipping or the ring breaking will be covered.

Damage can occur at any time and from a wide variety of situations- we even had a claim a few years ago from a lady whose fingers had swelled and the ring had to be cut off at a hospital!
Damage claims are settled without excess under 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

Take your most valuable items on holiday and be fully insured

Have you ever left jewellery at home as you were worried that it was not adequately insured?

A policy from Assetsure will cover your Jewellery against Loss or Damage or Theft anywhere in the World and we have no country restrictions. You will be covered for unlimited trips abroad, providing no one trip exceeds 60 days in duration.

Items not worn abroad must be kept in a safe and any loss must be reported to the local police. Items are replaced without deduction of any excess.


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

High value items of jewellery are insured against theft either from you, personally whilst you are wearing or carrying the item(s) or from your home or another location where you are temporarily staying. Whilst travelling, the items must be kept on your person or in a safe.

Items valued at £10,000 or more and left in your home must also be kept in a safe when not being worn.

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…

Jewellery type

It's important to insure your jewellery for the correct amount

Wearer's Age

See what customers are saying about our cover...

Latest News and Advice

More news
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.

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