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Home / Jewellery Insurance / Jewellery Insurance

Jewellery Insurance

Looking for a jewellery Insurance policy?

Jewellery Insurance from Assetsure helps protect your most valuable possessions.

For some people, covering valuable items under a home insurance policy is not a viable option. Often the sums insured are too high and the insurer does not wish to extend cover.

Now there is a solution to this situation as we at Assetsure are able to offer a stand-alone policy to cover your most precious items. We offer a jewellery insurance policy designed to cover either single items or groups of items without the need to add any other sections of cover at all. We provide a comprehensive worldwide “All Risks” policy wording and we will consider most valuations. In some cases, removing an “All Risks” section, can lead to a more competitive home policy quote and by arranging cover separately, you certainly wont have to worry about loosing your no claims discount.

Jewellery Insurance - What can we cover

We provide insurance for all types of jewellery including diamond engagement rings and quality Swiss watches. We are equally happy insuring single items or groups of items, the choice is yours.

How to obtain your quote

If you require a quotation our process is simple and easy. In most cases it takes just a matter of minutes and cover can be arranged on the same day. We will provide you with full policy documentation including a schedule of items insured and a full description of the items covered. Your policy will arrive by email within a few minutes of cover being effected. You can either complete one of our online quotes or call our office, we are open in to the evening so as you can arrange cover at your convenience.

The type of cover do we provide

When you buy a policy from Assetsure, you are buying peace of mind that your valuable items fully protected by an insurance policy underwritten at the world’s oldest insurance institution. Not only that, the cover provided by our policy has some very worthwhile benefits. Just take a look at the following;

  • Worldwide ” All Risks” Insurance underwritten at Lloyds’ of London.
  • No limit on the number of trips you can make abroad ( 60 days any one trip)
  • No excess to pay in the event of a loss
  • Cover for damage, theft and accidental loss covered as standard
  • Cover in and away from the home including street robbery and physical loss
  • Normally no extra security requirements at home such as safe’s and special locks

For full details of our cover, please refer to our Key Facts leaflet and policy document, both are available on request. If you require a quotation for jewellery insurance, simply complete one of our Jewellery Insurance quote request forms or call our office. In most cases, we are able to provide both a quote and cover on the same day.

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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.

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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"

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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

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First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free

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Lloyd's of London coverholders icon-thin-chevron-down

We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers

Latest News & Advice

Jewellery Valuation

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....

Diamond jewellery grading

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 Cleaning and Care | An Assetsure Guide

Jewellery Cleaning and Care | 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....

Your Questions Answered

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.

Who will I be insured by? icon-thin-chevron-down

The Assetsure Insurance policy is underwritten at Lloyd’s of London