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Standalone Jewellery Insurance

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Looking for a jewellery insurance policy?

Jewellery insurance from Assetsure

We specialise in helping you protect your most valuable possessions. If you have a precious item of Jewellery, our "All-Risks" Insurance policy, which includes, accidental damage, accidental loss, and theft, will provide you with valuable insurance cover.

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 won't have to worry about losing your no claims discount.

What can we cover?

Assetsure provide Jewellery insurance for all types of jewellery including diamond rings, engagement rings, wedding rings and luxury watches. We are equally happy insuring single items or groups of items, the choice is yours. Simply, complete our online quote form and get a jewellery insurance quote today.

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 into 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 including :theft, loss and damage.
  • 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.

We've got you covered...

Accidental Loss

Small valuable items of jewellery are easily lost.
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Accidental Loss

Insurance cover to replace items of jewellery if they are lost.

The biggest worry for owners of jewellery is that an item will be lost, this can happen all too easily with small items and because of their size, they can be almost impossible to find.

Although insurance can never replace the sentimental value of jewellery, we can help relieve the expensive cost of having to replace an item often at short notice.

A policy arranged by Assetsure will cover loss of the whole item or part of the item such as the stone or even one of the small stones set on the shoulder of a ring for example.



Loss of stone

Precious stones get lost our cover ensures you can replace it if it’s lost.
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Loss of stone

Cover against loss for all stones contained within a ring

Over time, stones in a ring can work loose and if they fall out, they are easily lost.

The policy we arrange covers all stones in your ring including smaller ones set on the shoulders or within the band. There is no excess to pay either so items are replaced without deduction.

Accidental Damage

Accidents happen, especially to items designed to be worn for lengthy periods of time.
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Accidental Damage

Repair or Replacement cover if you damage your Jewellery

With any item you would expect natural ageing, wear and tear, and cosmetic changes, which are not covered by insurance, but sometimes more serious damage can occur.

Jewellery items can easily be damaged and whilst diamonds are arguably one of the hardest naturally occurring substances found on Earth, they can surprisingly be damaged, particularly if the shape is an unusual one such as in the case of pear shaped diamonds.

Claws and settings can also become damaged and broken and a “No Excess “policy arranged by Assetsure will pay for repairs no matter how minor they are.

Worldwide Cover

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

Global cover for your valuable items

We arrange insurance for persons that are normally resident in the United Kingdom in respect of their items of jewellery and insured items will be covered anywhere in the world for unlimited trips abroad, providing no one trip is in excess of 60 days duration.

Another great advantage of the policy is that you do not need to inform us of your travel plans, you are automatically covered.

Theft

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

Protection for your valuable items against being stolen

Your precious items of jewellery are not just attractive to you. Thieves also find them highly desirable especially as they are portable and quite easy to sell on. If you are unlucky enough to have a burglary at your home, items of jewellery are at the top of the list of items thieves will be searching for.

With an Assetsure arranged policy you’re covered both at home and away from home including having items stolen whilst you are wearing them.

When away from your home, (or another private dwelling in the UK where you are staying temporarily) your jewellery must be either: worn by you, or carried under your close personal control, or kept in a locked safe, or kept in a locked gym locker whilst you remain on the gym premises.

Unfortunately, street robberies do occur which are distressing and we advise everyone to be vigilant when wearing jewellery outdoors, particularly in unfamiliar areas. Whilst insurance will compensate for any loss, it will not help to relieve the stress a robbery can cause.

Jewellery valued over £10,000 must also be kept in a safe when left unattended at home (or another private dwelling in the UK where you are staying temporarily)

Find out what makes us different...

Why we stand out...

Assetsure are experts at the placing of Jewellery insurance on either an individual basis, for example in the case of an engagement ring or for a whole collection of jewellery. We will be glad to receive your enquiry for jewellery insurance either online or over the telephone.

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 pro rata 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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Your Questions Answered

General Policy questions icon-thin-chevron-down
General Policy questionsClaims
Who are Assetsure ? icon-thin-chevron-down

Assetsure is a UK-based insurance provider, authorised and regulated by the Financial Conduct Authority. We are also proud members of the British Insurance Brokers Association. We also have LLoyd's of London coverholder status.

Does Assetsure provide single item jewellery insurance? icon-thin-chevron-down

Assetsure offers single item insurance for all types of valuables. You don't need to insure your entire home with us to get coverage. Whether you have a single item or a collection of jewellery, we can likely provide the insurance you need.

Are jewellery valuations important for insuring jewellery? icon-thin-chevron-down

Valuations are extremely important for insuring jewellery as declaring the wrong valuation can mean you are under insured. If you have under insured on your quote and you wanted to claim against your policy, you may find you are not fully covered for the correct amount losing out. It’s thus important you ensure you carry out a valuation for your jewellery. We have trusted valuation jewellers we can recommend for you to get accurate valuations on your items.

How do I get a jewellery insurance quote? icon-thin-chevron-down

Getting a jewellery insurance quote with Assetsure is very simple. You can complete our online quote form online, whereby your insurance policy can be ready during the same day. We will then ensure you receive all your policy documents instantly to your mailbox.

What does jewellery insurance cover? icon-thin-chevron-down

Our insurance covers an array of items including diamond engagement rings, luxury watches, wedding rings, earrings, pendants and more. Please contact us if you want to find out if we can cover your item.

Our jewellery insurance will ensure you are covered from:

  • Worldwide Risks
  • No limit on trips abroad (up to 60 days for any one trip)
  • Loss with no excess to pay
  • Damage, theft or accidental loss
  • Robbery or physical loss
How to get jewellery valued for insurance? icon-thin-chevron-down

Valuations are usually provided with new jewellery and it’s important that you seek advice every two years to seek an update on your item valuation.

We also understand items of sentimental value cannot be replaced however having an accurate valuation of an item will ensure if the item ever did get lost or damaged then you are covered through monetary value.

Assetsure are able to provide access to trusted valuation jewellers if required to ensure you can get an accurate quote on the value of your item. Please contact us if you require us to introduce you to a jeweller that will be able to provide a valuation to ensure your item can be fully covered with an adequate sum insured to ensure replacement in the event of loss.

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

Yes, the Assetsure Insurance policy is available only to individuals over the age of 21.

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.

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly via email. Cover will begin from the date you request.

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.

Important Documents

Jewellery & Collectables Policy Wording 2021

Jewellery & Collectables IPID

Assetsure Terms of Business 2025