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Ring Insurance

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Home / Jewellery Insurance / Ring Insurance

Ring Insurance

Insurance for rings without the need to insure anything else

Rings are treasured items of jewellery be they for weddings, engagements, eternity or for any other reason. As well as brand new items, often rings are inherited and particularly with old or antique rings, once they have been appraised and valued for insurance purposes by a jeweller, the value can come as quite a nice surprise.

At Assetsure, we have a policy that has been specially designed to insure rings & other jewellery which is securely backed by 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.

Although many people do inherit rings that need insurance, we realise that many are often purchased by people who are just setting up home or perhaps still living with parents or in rented accommodation or with little other contents that require covering. Our policy is thus ideal if you are in this situation and only want to cover a single item. Often a valuable ring falls outside the monetary limits of a standard home insurance policy and if you have a high value item, we should be able to assist you with cover.

We may be unable to replace the sentimental value of any item, but we can provide insurance protection to compensate you for your loss by quickly providing a replacement.
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.

Some of the features of our policy are as follows;

Worldwide All Risks Insurance- We provide physical loss or damage insurance for your ring or other items of jewellery on a worldwide basis.

No Excess- If you have to make a claim under your policy we do not deduct any excess for specified items

Specified Items- We will provide you with a schedule of insurance specifying your single item of jewellery. If you have other items, we will be pleased to add them on as well.

Unspecified Items.- If you have a large number of other items, we can also provide you with unspecified insurance cover for the total value of your items up to a maximum sum insured of £1000 per item and with a £25.00 excess per claim.

No bonus to lose- By insuring your rings separately with us, you can help protect any valuable no clams bonus earned under your home insurance policy.

A variety of payment options- We accept paypal, all major credit and debit cards and monthly direct debits.

Money back guarantee- So confident are we in our policy, we will even give you a full 30 days to review our policy wording and change your mind if you are not satisfied.

Dealing with Assetsure couldn’t be simpler and your precious rings can be covered quickly and efficiently by making one quick call or completing our web enquiry form. If you have any questions or simply require some advice, we will also be pleased to hear from you.

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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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Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.

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