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...
We’ve got you covered if you mis-place or accidentally lose your 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.
Unfortunately items get stolen, we make sure you are covered if the worst happens.
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.
Accidents happen, we ensure that your item can be repaired or replaced.
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).
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....
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....
Buying an engagement ring is a daunting, but exciting journey. Choosing a ring is only the beginning, the options are endless but often, we want to stand out as well as making this moment perfect. For some this means having a ring that is timeless, original, and vintage. Choosing a vintage engagement ring makes that special moment so much more personal and original, it gives an added factor of individuality and romance all at once.
There are many reasons why vintage engagement rings could be the perfect option for you and we have highlighted our top reasons below....
So, you’re ready to pop that all important question. Arguably one of the most important, nerve wracking, exciting moments of your life. Now, whether you choose an intimate sunset setting on a yacht, or the most public gesture abroad, there is one way to make your moment unique to you; choosing a bespoke engagement ring....
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....
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....
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....
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....
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?
You should insure the item(s) for the full replacement value as new in the UK.
Are there any Age restrictions?
The Assetsure Insurance policy is available to persons over the age of 21
When will I receive my policy?
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?
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?
The policy has no excess to pay following a claim
If I lose a stone will I be covered?
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?
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?
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.