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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.

It is very easy to get caught up in the excitement of forthcoming nuptials or owning a beautiful piece of jewellery that you wear with pride – so much so that thinking about insurance is probably one of the last things on your mind.

In fact a recent article on the Government-founded MoneyAdviceService website reveals shocking statistics:

  • one in three people consider their engagement ring to be their most valued possession;
  • one in four do not have home contents insurance to cover its loss or theft at home;
  • around one in seven do not have additional cover for personal possessions outside the home either.

I have home insurance, so is my jewellery covered?

Not necessarily so. Those people that do have personal possessions cover as part of their home insurance may believe that their jewellery is covered. (Note that full cover, ie: for inside and outside of the home, is normally a paid for additional option. It is unlikely to form part of your standard cover). If you don’t remember asking for the protection, you probably don’t have it.

Also, it is important to note that many household policies have limits up to which your personal possessions (such as jewellery and other valuable personal items such as PC tablets etc) can be covered. Typically this is £1,500 per item, though some insurers may have higher limits.

According to the same article, the average value of an engagement ring is £1,800 – so if you did make a successful claim on your household policy for loss or theft, the maximum amount you could get back would be £1,500 – less any excess amount. (The excess is the first part of any successful claim that you are liable for. This could be around £100-£500).

What can I do to protect my jewellery?

Assuming you already have home insurance contents cover, the first thing you need to do is to check whether you have cover for loss or theft of personal possessions in and outside of the home (this is often referred to as “All Risks” within the policy document).

If you do, what is the claim limit per item? Look at your valuables and see if each comes within that claim limit. For example, if you have a necklace worth £1,400, that will typically be covered, but a Rolex watch, even one of the lesser expensive ones, can be valued at well over £3,000, meaning the single limit wouldn’t cover the full value needed to replace the watch.

Speak to your insurer

If you find that you don’t have the most suitable limit of insurance, speak to your household insurer and ask them how much it would cost to include a specific piece of jewellery in the cover, up to the its full value.

They may be able to help you, though you could find this pushes up the cost of your home insurance to an unacceptable level.

Another option is take out specific jewellery insurance. This is a standalone policy available from specialist companies such as ourselves at Assetsure. We offer cover either for single items or groups of items and our cover provides a comprehensive worldwide “All Risks” policy wording. This means that the item or items specified within the policy are fully covered against risks such as damage, theft and loss – no matter where you are.

Unlike with a standard home insurance policy, there is no excess to pay on this jewellery cover either, in the event of a successful claim. This means you get the full value of your jewellery back, without needing to pay towards the claim, nor losing any no claims discount on your home insurance cover.

As you can see, there are lots of options for protecting your jewellery – whatever you do, don’t forget to check that yours is fully protected.

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Why choose our specialist insurance cover?


Extensive Cover icon-thin-chevron-down

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 icon-thin-chevron-down

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

Single Pieces or Collections icon-thin-chevron-down

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 icon-thin-chevron-down

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

Excellent friendly claims service icon-thin-chevron-down

We are here to help you if you need to make a claim. We will liaise between you and the insurers to help settle your claim as quickly as possible.


Members of BIBA icon-thin-chevron-down

We are members of the British Insurance Brokers Association,the UK's leading general insurance intermediary organisation.