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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 ring 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.

Bespoke Insurance for Rings

Our policy for insuring a ring is designed to give you complete piece of mind. Whether you have single ring or many with a variation of jewellery we will be able to offer you insurance to cover each of your items that suits your requirements. Get a quote today.

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 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.

We've got you covered...

Accidental Loss

Protect your Rings against accidental loss with a policy from Assetsure
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Accidental Loss

Rings can easily be Lost

Most losses of rings such as engagement or eternity rings occur away from the home, either the whole ring or one of its components such as a diamond.

This can be distressing when it happens and whilst we can’t replace sentimental value, our in-house claims team will work with you to quickly replace the item as close to the original as possible.

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

We cover the loss of any stone set in or on a ring

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

We cover 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.

Rings valued over £10,000 will need to have their settings checked every 2 years from the date you take out the policy with us or this will not be covered. You can choose any jeweller to carry out this check and many will clean the item for you at the same time.

Accidental Damage

Accidents happen, we ensure that your item can be repaired or replaced.
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Accidental Damage

Stones and Precious Metals can be damaged.

With any item you would expect natural ageing, wear and tear but sometimes more serious damage can occur.

Whilst Diamonds are arguably one of the hardest naturally occurring substances found on Earth, they can surprisingly be damaged quite easily, 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 from Assetsure will pay for repairs.

Worldwide Cover

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

Travel the world and be protected by Assetsure

We insure UK residents jewellery anywhere in the world, we have no country restrictions and there is no need to tell us of your travel plans. You can travel as often as you like providing no one trip is over 60 days in duration.

Your Jewellery will be insured at Lloyd's’ of London the internationally recognised insurance market. Starting in 1688, Lloyd’s has been a pioneer in insurance and has grown over 330 years to become the world’s leading market for specialist insurance such as Jewellery


Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Thieves may also admire your Rings

Your precious rings are not just attractive to you. Thieves also find them highly desirable especially as they are portable and quite easy to sell on.

With an Assetsure policy you’re covered both at home and away from home including having items stolen whilst you are wearing them. No need to inform us of your Travel plans either as we cover unlimited overseas travel providing no one trip is over 60 days in duration.

When away from home, your ring must be worn , kept under your close personal control or kept in a locked safe.

if there is a Theft from your home, there will need to be signs of a break-in for a claim to be valid. For items valued over £10,000, we will require you to keep the item in a safe when not being worn.

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.

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

Jewellery type

It's important to insure your jewellery for the correct amount

Wearer's Age

See what customers are saying about our cover...

Latest News and Advice

More news
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....

How to clean jewellery | An Assetsure Guide

How to clean jewellery | 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....

Getting a Jewellery Valuation

Getting a Jewellery Valuation

Is getting a jewellery valuation difficult? For many people the answer is yes. Find out how we can help....

Your Questions Answered

Does ring insurance cover loss? icon-thin-chevron-down

Assetsure’s ring insurance covers accidental loss, protecting your ring against life’s accidental periods. We also ensure your ring is protected against:

  • Accidental Damage
  • Theft
  • Loss of Stone
  • Worldwide Cover (providing no one trip is over 60 days in duration)
How much is ring insurance? icon-thin-chevron-down

The cost of ring insurance is dependent on many factors. However, cost plays a major part, the more it will cost us to replace your ring, the more your insurance is likely to cost.

By entering your details into our online ring insurance calculator, you will quickly be able to discover the cost of your item being insured by Assetsure.

We offer policies which can be paid for on a monthly or yearly basis and can be paid for via debit or credit cards.

Ring insurance from Assetsure covers loss or damage and is underwritten at Lloyd’s of London.

How to get a ring appraised for insurance? icon-thin-chevron-down

Rings can have sentimental value attached to them, which cannot be replaced by an insurance policy. However, if the item is to be damaged or lost, it is important to have an accurate valuation of the item.

Assetsure have contacts within the jewellery trade and if you require a valuation, please contact us as we may be able to point you in the right direction.

Valuations are also normally supplied with new rings, but you will need to seek updated advice on valuations every couple of years.

How to insure a ring? icon-thin-chevron-down

Insuring a ring with Assetsure is straightforward. Simply get a quote online by completing our online calculator and we can have your insurance ready to start today. We are able to deliver your policy instantly to your email inbox.

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