--- title: Problems with insuring high value single items date: 2013-05-15T10:34:00+01:00 author: James Farley canonical_url: "https://www.assetsure.com/jewellery/insurance-for-single-items/" section: News --- Our Customers Love Us! Jewellery Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote. Choose from our range of insurances below [Home](/) › [Jewellery Insurance](https://www.assetsure.com/jewellery/) › [Problems with insuring high value single items](https://www.assetsure.com/jewellery/insurance-for-single-items/) # Problems with insuring high value single items The problem with many home insurance policy wordings, and I’m talking about the typical generic ones that most people buy online, is that they have fairly rigid limits for certain items. Traditionally, insurers do not like an unbalanced sum insured so someone asking for a quote for £35,000 contents and a £10,000 Rolex may find they receive a lot of declines. No problem you say, I’ll just go and find myself a stand- alone policy to cover my watch, easier said than done as not many insurers are prepared to entertain this scenario. Watches, jewellery and valuable items are insured away from the home under the “all-risk” section. The “all-risks” section of the policy is an area which attracts higher premiums and for good reason, watches can easily be lost or stolen and valuable rings with stones are susceptible to the settings working loose over time and the stone being lost. For this reason, even with a higher premium rating than that applied to general contents, insurers know that the loss of a [single item of jewellery](/jewellery/single-item-insurance/) can generate a substantial claim and thus they require the “ lower risk” contents to be included within the insurance to generate more premium. For some people this may be fine if you have a large sum insured, but what if you don’t ? What if you have inherited a valuable item or perhaps have just got engaged, have a valuable ring but little other contents. A stand-alone policy provides a useful solution to this and for a number of reasons. Firstly, the cover you will be provided with is likely to be wider than that afforded by a standard home insurance policy and the territorial and other restrictions may not be so onerous either. From an economic point of view, most home insurance policies come with a no claims bonus and the loss of a single item can jeopardise this bonus leaving you with an increased renewal bill. For these reasons, seeking [insurance for single items](/jewellery/single-item-insurance/) may be a worthwhile option. ## Latest News & Advice [![Jewellery News Round-up Sept 26](/assets/uploads/images/_800x405_crop_center-center_none/jewellery-news-round-up-banner.webp)](https://www.assetsure.com/jewellery/jewellery-insurance/jewellery-news-round-up-sept-26/) ### [Jewellery News Round-up Sept 26](https://www.assetsure.com/jewellery/jewellery-insurance/jewellery-news-round-up-sept-26/) Jewellery news round-up: a £59,000 discovery, a river rescue and a real-life jewellery heist... [![Jewellery you'll probably own by the age of 50](/assets/uploads/images/_800x405_crop_center-center_none/jewellery-box-news-banner.webp)](https://www.assetsure.com/jewellery/insurance-for-jewellery-collections/jewellery-you-will-probably-own/) ### [Jewellery you'll probably own by the age of 50](https://www.assetsure.com/jewellery/insurance-for-jewellery-collections/jewellery-you-will-probably-own/) By the time you reach 50, your jewellery box has probably been decades in the making. Some pieces may have been with you since your teens or twenties.... [![Why Diamonds Fall Out of Rings](/assets/uploads/images/_800x405_crop_center-center_none/diamond-out-ring-news-banner.webp)](https://www.assetsure.com/jewellery/diamond-ring-insurance/why-diamonds-fall-out-of-rings/) ### [Why Diamonds Fall Out of Rings](https://www.assetsure.com/jewellery/diamond-ring-insurance/why-diamonds-fall-out-of-rings/) Why diamonds fall out of rings and how to help prevent it. A missing diamond from your engagement ring can come as a nasty surprise. One day your ring looks exactly as it should; the next, you notice an empty space where a stone used to be.... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Extensive Cover 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 You are covered anywhere in the world for trips up to 60 days. ### Single Pieces or Collections 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 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 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 We are members of the British Insurance Brokers Association,the UK's leading general insurance intermediary organisation. 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