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Single Item Insurance

If you are looking for insurance for a single item, then why not consider our Assetsure “All-risks” insurance policy which has been especially designed to insure single items or collections of items. Our policy has no requirement for you to buy insurance for any other sections such as buildings and contents, it is an entirely standalone insurance designed simply to protect your most valuable items against a wide range of perils on a worldwide basis. Most claims are settled without any excess, and you can choose from a range of valuable items to cover.

What type of single items do we cover?

At Assetsure we insure single items, such as engagement rings, diamond rings, watches and more. Our Assetsure policy is designed to cover your most valuable items of jewellery with the protection it requires. Our insurance policy for single items is tailored to each item of jewellery so you’re covered. Our policy is arranged to be worldwide on an all-risk basis, which is the widest form of personal possession cover you can obtain.

Assetsure Single Item Insurance is underwritten at Lloyd’s of London.

How to obtain a single item insurance quote

Obtaining a single item insurance quote is simple and straight forward, you can telephone our office with a description of the item or items you require to be insured and normally we can give you a premium within a matter of minutes. Cover can be effective immediately if required and we can email you your policy documents immediately. Alternatively, you can complete one of our online forms and we will come back to you quickly with an insurance quote. All of our policies come with a full 30 days cooling off period, giving you plenty of time to review the cover on offer. We offer a variety of ways you can pay for your insurance including monthly direct debits.

We Offer

  • Worldwide All Risks
  • No Policy Excess
  • Underwritten at Lloyds of London
  • 30 days to review our product after you have purchased.

Why Single Item Insurance?

There are a number of scenarios where single item insurance is required, Often in the case in respect of jewellery, it comes about as the existing home insurance provider will not cover an item if it exceeds their valuation threshold., We don’t have any limits at Assetsure, we consider each item on it’s merits and do our best to provide a quotation in as many instances as possible. One other advantage of obtaining insurance on a single item basis is that, there is no bonus to lose in the event of a claim.

What Items will we insure on our single item insurance policy

We will look at most non-electrical items under this policy (have a separate section for gadgets & laptops) and will insure collections. The list of items we will insure is very wide, especially when it comes to collectibles.

The cover we offer

We provide single item insurance on a worldwide all risks basis for persons that are normally resident in the United Kingdom (United Kingdom Citizens) We do not have a time limit for persons travelling abroad although, there are certain scenarios we cannot cover. Our policy has no excess to pay in the event of a claim.

For a single item insurance quote, call Assetsure

We've got you covered...

Accidental Loss

We’ve got you covered if you mis-place or accidentally lose your items.
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Accidental Loss

An Assetsure policy can cover a single item such as a ring or pendant

Our policy can cover a single item such as an engagement ring against loss. You can add items as and when required.

In in the event of a claim, there will be no excess to pay.


Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Guard a valuable item against Theft

You may not want to cover your whole Home and contents and thus a policy from Assetsure may be suitable for your needs. We can cover a single or group of items, it's your choice.

Accidental Damage

We cover valuable jewellery items against accidental damage
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Accidental Damage

If your single item is damaged, will will repair or replace it

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 pair shaped diamonds.

Claws and settings can also become damaged and broken and a “No Excess “policy from Assetsure will pay for repairs

Worldwide Cover

Travel the world and be covered by Assetsure
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Worldwide Cover

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

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.

Find out what makes our cover different...

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

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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

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