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Single Item Insurance

If you are looking for insurance for a single item, then why not consider a policy arranged by Assetsure. We can arrange “All-risks” insurance which has been especially designed to insure single items or collections of items. The 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 by the insurers 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 provide insurance for single items, such as engagement rings, diamond rings, watches and more. The policy we arrange is designed to cover your most valuable items of jewellery with the protection it requires.

Insurance for single items is tailored to each item of jewellery on a specified basis. The policy is arranged to be worldwide on an “All-risks” basis, which is the widest form of personal possession cover you can obtain.

Quotations can normally be obtained the same day either online or by calling our office.

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 usually be effective immediately if required and we can email you your policy documents immediately.

Alternatively, you can complete one of our online forms and in most cases, a quotation will be provided online immediately. All the policies we arrange 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 insurance
  • Cover includes theft, loss and damage
  • No policy excess
  • Policy is especially designed to cover jewellery
  • 30 days to review the cover after you have purchased.

Why Single Item Insurance?

There are several scenarios where single item insurance is required, often in the case of jewellery, it comes about as the existing home insurance provider will not cover an item if it exceeds their valuation threshold. The policies we arrange at Assetsure tend to have higher limits, if we cannot quote online, we may be able to if you call our office, we 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 a single item insurance policy

We will look at providing quotations for most non-electrical items under a policy and will also insure single collectable items or whole collections. The list of items we will insure is very wide, especially when it comes to collectibles.

The cover we offer

We arrange single item insurance on a worldwide all risks basis for persons that are normally resident in the United Kingdom (United Kingdom Citizens) If you have a single item that needs cover, we’ll be pleased to hear from you.

For a single item insurance quote, call Assetsure

We've got you covered...

Accidental Loss

Small items are easily lost, an Assetsure arranged policy can protect you and provide replacements
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Accidental Loss

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

The policy we arrange can cover a single item such as an engagement ring against loss. You can add other items of jewellery if required and throughout the term of the policy as and when required.

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

Theft

Unfortunately items of jewellery get stolen, we make sure you are covered if the worse happens.
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Theft

Guard a valuable item against theft

You may not want to cover your whole Home and contents and thus a single item insurance policy arranged by Assetsure may be suitable for your needs. We can cover a single or group of items, it's your choice and you have the option to add additional items throughout the term of the policy.

When adding items, there is only a charge for the additional insurance, there is no adjustment charge.

Accidental Damage

Obtain cover for valuable jewellery items against accidental damage
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Accidental Damage

If your single item is damaged, can you afford to repair or replace it

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

Single items of jewellery can sometimes become damaged, for example, 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

If you have a valuable single item of jewellery, insurance from Assetsure can pay for repairs in the event of accident damage occurring.

Worldwide Cover

Travel the world and be covered by a policy arranged by Assetsure- cover operates on a global basis
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Worldwide Cover

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

We arrange insurance for UK residents wanting to protect their jewellery anywhere in the world. There are 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 us different...

Why we stand out...

We are a specialist jewellery intermediary and can arrange single item insurance for your jewellery. We also have an extensive network of trusted jewellers across the UK that can help 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.