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High Value Jewellery Insurance

At Assetsure, we have access to 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 can normally obtain a quote from our insurers instantly and online, or if you prefer, please call our office, we'll be pleased to talk to you.

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 the policy we arrange has no excess to pay in the event of a loss. There are no limits on the number of trips abroad you can make ( maximum duration any one trip 60 days) Also included are 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, our insurers 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. Normally our insurers will provide quotations 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 30 days to review policy features, and you can claim a full refund during this period (subject to no claim) if you are not entirely satisfied.

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 arranged by 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 your cover ensures you can replace it if it’s lost.
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Loss of stone

The stone is the most expensive part of your ring

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 will be covered by your 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 can happen, you policy will 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 a policy arranged by Assetsure.

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 arranged by Assetsure will cover your Jewellery against Loss or Damage or Theft anywhere in the World and there are 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.

Theft

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

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.

No Excess

Claims are unexpectable- so you wont be prepared to pay an excess
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No Excess

No excess to pay- that's good news

Accidents or Losses can happen when you least expect them. With a policy arranged by Assetsure, there is no excess to pay if you need to make a claim

Why we stand out...

We are a specialist jewellery insurance intermediary and have facilities to provide insurance for high value items of jewellery. This could be for one valuable piece or for a collection, the choice is yours.

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).

Start here. Get a quote for your first item now…

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Your Questions Answered

Who are Assetsure ? icon-thin-chevron-down

Assetsure is a UK-based insurance provider, authorised and regulated by the Financial Conduct Authority. We are also proud members of the British Insurance Brokers Association. We also have LLoyd's of London coverholder status.

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

Yes, the Assetsure Insurance policy is available only to individuals over the age of 21.

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly via email. Cover will begin 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.