Insurance for pendants, lockets and chains without the need to insure anything else. Pendants are often given as gifts and whilst it is not typical to have a collection of them, as individual items they can be quite valuable. A wide variety are available with popular designs including stones such as diamond and pearls contained within a setting and hung from a chain usually made from a precious metal. Our definition of valuable pendants includes medals and awards.
At Assetsure, we have an insurance policy that has been specially designed to insure pendants, lockets, chains & other jewellery which is securely underwritten at Lloyd’s of London.Unlike most insurers, we are quite happy to provide insurance for single items, and we won’t insist you insure the rest of your home contents with us. This is ideal if your pendant falls outside the limits set by your own home insurer’s policy. We are based in the UK and our policies are designed for persons that are normally resident in the United Kingdom, we provide worldwide all risks cover with no restrictions on how long you can be abroad.
We've got you covered...
We’ve got you covered if you mis-place or accidentally lose your pendant
With an Assetsure policy you’re covered both at home and away from home including having your pendant stolen whilst you are wearing it
When away from your home, (or another private dwelling in the UK where you are staying temporarily) your pendant 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.
If you own a pendant valued at over £10,000, it must also be kept in a safe when left unattended at home (or another private dwelling in the UK where you are staying temporarily)
Accidents happen, we ensure that your item can be repaired or replaced.
If your pendant sustains damage you'll be covered.
Pendants can be easily damaged especially if the chain breaks and the item falls to the floor. A policy for Assetsure will pay for repair or replacement and you will also benefit from no excess to pay in the event you need to make a claim.
A stone is usually the centre piece of any Pendant and over a period of time, it can become loose and be lost.
A policy from Assetsure will cover the loss of any stone from a pendant
Why we stand out...
We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis
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).
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....
At Assetsure, we can provide insurance for your most precious items of jewellery but our compensation will never replace a cherished item or family heirloom. Sometimes, protecting your valuables is as simple as taking a few common sense steps to safeguard them. Here are a few of our tips based mainly on studying the typical types of insurance claims received for loss or damage to jewellery....
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....
International Jewellery London (IJL) is of course a key date in the industry’s diary. No less so this year, as the renowned tradeshow marked its 60th Diamond Jubilee Edition, with all the glitter and splendour you’d expect....
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....
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.
Who will I be insured by?
The Assetsure Insurance policy is underwritten at Lloyd’s of London