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Single Item Insurance

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Home / Jewellery Insurance / Single Item Insurance

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 stand alone insurance designed simply to protect your most valuable items against a wide range of perils on a world wide basis. Most claims are settled without any excess and you can choose from a range of valuable items to cover.

How to obtain a quote

Obtaining a quote for single item insurance 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 effected 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

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

The cover we offer

We provide insurance on a worldwide all risks basis for persons that are normally resident in the United Kingdom (British 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

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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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Lloyd's of London coverholders icon-thin-chevron-down

We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers

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