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HomeJewellery InsurancePrecious Stone Insurance

At Assetsure we can provide insurance for your precious stones including: Diamonds, Rubies, Pearls and Emeralds. Usually we cover precious stones if they are affixed in to jewellery, however we will consider insurance from persons with adequate security that have a collection of stones for Investment purposes. Outside of the above, if you are a collector of semi-precious stones or gemstones, rocks, minerals or even fossils, we should be able to assist you with insurance for your collection.

Our Assetsure Collectables Insurance Policy is securely underwritten at Lloyd’s of London and provides a wide range of valuable covers that are not normally available under a home insurance policy. Often a home insurance policy will have limits on the value of a collection in proportion to the remainder of the contents insured, if your collections falls outside these limits, we will be able to assist you with a separate policy.
Some of the features of our policy are as follows;

We've got you covered...

Accidental Loss

We cover the loss of precious gem stones.
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Accidental Loss

We cover precious stones that are fitted in to rings such as engagement rings. We are unable to cover loose gem stones

Loss of stone

Precious stones can be easily lost
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Loss of stone

If you own a ring, we can cover the precious gemstones contained within the ring against loss.

Accidental Damage

Cover for your precious gemstones.
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Accidental Damage

Accidental Damage to gemstones

We can cover to Accidental Damage to precious stones providing they are contained within jewellery. we are unable to cover loose gemstones.

Worldwide Cover

Cover for precious stones in rings anywhere in the world.
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Worldwide Cover

Providing your precious stones are contained within an item of jewellery such as a ring or pendant, we can cover them anywhere in the world.

Theft

Theft of gems from rings automatically covered
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Theft

Insure your gemstones when set in to a ring

When you have your precious stones set in to a ring or other item of jewellery, we can provide you with cover against theft.

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 if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

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 our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

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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