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Pendant Insurance

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 provides wide "All-Risks" insurance cover.

Unlike many intermediaries, we are quite happy to provide insurance quotes 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, The policy we provide covers worldwide "All risks" insurance which includes; accidental damage, accidental loss and theft. There are no restrictions on how long you can be abroad providing no one trip exceeds 60 days

We've got you covered...

Accidental Loss

Insurance provided if you mis-place or accidentally lose your pendant.
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Accidental Loss

We'll cover your valuable pendant against loss

Pendants are susceptible to loss, typically from failure of the chain. If this happens we will work with you and the insurers to quickly supply a replacement.

Insurance will pay for loss of the whole item or one of its component parts such as a diamond or other precious stone.

Theft

Unfortunately pendants like other precious items of jewellery get stolen, we make sure you are covered if the worst happens
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Theft

Cover for Pendants against Theft


With an Assetsure arranged 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)

Accidental Damage

Accidents happen, an Assetsure arranged policy, will ensure that your item can be repaired or replaced.
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Accidental Damage

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 arranged by 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.

Worldwide Cover

Cover for your pendant on a Worldwide basis
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Worldwide Cover

Travel the world with your Jewellery fully insured by Assetsure

Your Assetsure arranged policy will cover your pendant on a Worldwide basis. There are no restrictions on travel and providing no one trip is in excess of 60 days, you can travel abroad as much as you like.

Loss of stone

Precious stones can get lost and a policy from Assetsure can help to ensure that your valuable item is replaced as quickly as possible.
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Loss of stone

Cover for loss of stones from your pendant

A stone is usually the centre piece of any pendant and over a period of time, particularly with regular use, it can become loose and be lost.

A policy arranged by Assetsure will cover the loss of any stone from a pendant.

Find out what makes us different...

Why we stand out...

We are a specialist jewellery intermediary 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).

Start here. Get a quote for your first item now…

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Your Questions Answered

Who are Assetsure ? icon-thin-chevron-down

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? 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.