Main Menu

HomeJewellery InsuranceHigh Value Jewellery Insurance

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.
Find out more

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.
Find out more

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.
Find out more

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
Find out more

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.


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


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
Find out more

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…

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 Trends 2022

Unlike shoes and clothing, jewellery is often an investment piece that you’ll wear for years to come. This doesn’t mean that there aren’t seasonal trends when it comes to statement pieces – think of a typical 90’s outfit and you’ll instantly think of chokers and hoop earrings, whereas the 2010s were all about huge cocktail rings and large statement necklaces. Trends in fashion can change what you’ll find in shops and as jewellery can change the feel and mood of your look faster than any other accessory, it’s worth staying on top of the trends. 2022 is right around the corner – so let’s see what’s set to be popular in the world of jewellery and what you could be looking to add to your jewellery collections....

How to Choose the Right Necklace Length

The devil is in the details when it comes to picking out the perfect necklace. These statement pieces of jewellery can be hard to purchase, particularly if you are buying online and can’t try them on beforehand. While we know you’ll look great in any type of necklace, we’ve put together a guide to help you pick the most flattering necklace length for your neck, face, and body shape so you can select a new necklace with confidence....

How Important is Diamond Clarity?

When shopping for diamond jewellery you’ll often come across the term “diamond clarity”. But what does this mean, and should you let it decide what type of stone or jewellery you buy?...

Sapphire Jewellery: Assetsure’s Guide to Sapphire Jewellery

Sapphire jewellery is bold, elegant, and eye-catching. Being second to the diamond in terms of durability. In this article, we will go through what a sapphire is and why they are becoming increasingly popular....

Engagement Rings Basic – What you need to know

Buying an engagement ring can be both a very daunting thought and experience, especially because for most of you, it will be your first time. So here is our guide to helping you understand key elements you should know about Engagement Rings. Hopefully, you will find this information useful for when you visit the jewellers....

Why have a settings check for your jewellery?

Wearing an item on a regular basis makes it more susceptible to wear and tear, affecting the settings or mounts that hold stones in place; this gradual attrition can weaken the settings leading to the stone becoming loose with the danger of it being lost. Find out more....

Expensive Engagement Rings

The term expensive means different things to different people depending on your own set of personal circumstances. Find out more....

Getting a Jewellery Valuation

Is getting a jewellery valuation difficult? For many people the answer is yes. Find out how we can help....

What Katie wore next

What Katie wore next

Ever since her engagement to Prince William with Diana’s world-famous sapphire ring, Kate Middleton’s jewellery has been something of a talking point. This week, she made headlines again, when she pre-ordered four items of jewellery from New Zealand jewellers, Tory & Ko, ahead of her royal tour down under....

Diamonds are trumps

Diamonds are trumps

Though formed of humble carbon, a diamond of the highest grading is internally flawless and perfectly transparent. Across cultures and throughout the centuries the sparkling April birthstone has continued to be bestowed with a status of ultimate perfection....

Guide to Hallmarks & Hallmarking

Guide to Hallmarks & Hallmarking

We’ve all heard of the terms hallmark or hallmarked in relation to gold, silver & platinum jewellery and in the main we take the term as a recognised sign of quality, the hallmark is there to provide us with confidence that an item is of a certain standard and that its “worth” the amount of money we are prepared to pay for it. For this reason, it’s important for us to have a basic understanding of hallmarking and how we can use this knowledge to protect us when we are buying items manufactured from precious metals, particularly if an item is second-hand....

Awareness of jewellery insurance

Awareness of jewellery insurance

When you get engaged, married or buy another valuable piece of jewellery, you may often overlook something quite important – whether your home contents insurance will cover its loss or theft....

How to clean jewellery | 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....

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 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....

Your Questions Answered

Who are Assetsure ? icon-thin-chevron-down

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? 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.