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HomeJewellery InsuranceInsurance for Jewellery Collections

Jewellery Collections Insurance

A Jewellery and Collectibles Insurance policy covers collections of jewellery for persons that cannot obtain cover under a home insurance policy or simply would rather have a specialist stand alone policy. Sometimes because of policy restrictions, particularly when dealing with high value sums insured, it is not possible to insure your jewellery collection with the remainder of your contents and thus an alternative arrangement must be sought most be sought.

A Specialist policy that covers collections of Jewellery

We arrange a policy which covers jewellery on a stand alone basis, offering wide cover on items of jewellery or collections. We have arranged a policy to offer world wide all risks insurance with no excess in the event of a loss and there is no restrictions on the amount of time you can spend abroad. Policies we arrange are designed for UK citizens only.

What will we cover

Almost any item of jewellery including watches, we will provide a schedule of insurance with full details of your jewellery insured and you can add and delete items throughout the policy term on a pro-rata basis (once a policy has been set up we have no administration fees and adjustments can be made quickly)

Whilst it is preferable to specify most items, for smaller valued items under a £1000.00 we can also obtain insurance on unspecified basis if you so require.

Valuations & Quotes

We consider each quote on it’s merits and are used to dealing with high sums insured quotation requests, you may fill in one of our online forms or alternative telephone our office and we can have a discussion with regard to your requirements. We can normally obtain quotations immediately or in the case, where we have to refer to underwriters, usually the same day We provide full policy documents immediately by email and all policies come with a 30 day cooling off period giving you plenty of time to review the cover.

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

Cover your entire collection of jewellery

We arrange cover for single items of jewellery or whole collections whether worn or left at home. When wearing a range of jewellery such as at a special occasion, it's easy to lose an item and if these items come as a set such as in the case of earrings, you will benefit from the "Pairs and Sets" cover Assetsure can arrange.

Under "Pairs and Sets" cover, If any items which have an increased value because they form part of a pair or set are lost (or damaged) any payment this will be taken in to account in respect of the increased value. Collections of jewellery claims are settled without deduction of any excess.

Theft

Unfortunately items get stolen, we make sure you are covered if the worst happens.
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Theft

If your house is burgled, items of jewellery are amongst the items most likely to be stolen.

Whilst wearing your items, you are covered if someone steals them from you. In most cases however, the bulk of a collection of jewellery is kept at home with only a few pieces worn on a daily basis. If you are burgled, these are the items prized by thieves and most likely to be stolen. A policy arranged by Assetsure will protect you against theft with no excess to pay in the event of a claim.

If you have a large collection of Jewellery (in excess of £10,000) our insurers will expect you to have a safe at home.

Accidental Damage

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

Accidents can happen

We all expect items of jewellery to age and to pick up wear and tear and scratches but some times more serious damage can happen like a chip to a stone or a broken clasp or setting.

Accidental Damage insurance under a policy arranged by Assetsure will pay for repairs to your items of jewellery without excess

Worldwide Cover

Giving you the peace of mind that you can travel and still be protected
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Worldwide Cover

Take your Jewellery on holiday and be fully insured.

Want to take your jewellery on holiday? There is e no limit on the number of pieces from your collection you can take and there are no restrictions in the countries that can be visited either.

You can make unlimited trips abroad with your insured items providing no one trip exceeds 60 days duration.

Loss of stone

Precious stones get lost, our cover ensures you can replace it.
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Loss of stone

Jewellery worn regularly is prone to stones falling out.

Stones can work loose from their settings and become easily lost, especially the smaller ones set on the shoulder or the band. If this happens our in-house claims department will work with you and the insurers to arrange for replacement.

We have extensive contacts in the jewellery industry to assist with quickly returning your precious item to it's pre- loss condition.

If you have an items worth £10,000 or more, it is a requirement that the settings are checked starting two years after you first take out a policy with us. You can use a jeweller of your choice to carry out this check or we may be able to introduce you to an online valuation service.

Find out what makes us different...

Why we stand out...

We are a specialist jewellery intermediary and our trained staff can help you acquire wide “ All Risks” insurance covering theft, loss or damage for your jewellery collection. Global cover available with no excess to pay in to the event of a claim.

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 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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Latest News and Advice

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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.

Is there any excess to pay following a claim? icon-thin-chevron-down

The policy has no excess to pay following a claim

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.