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Wedding Ring Insurance

Your wedding rings will be amongst your most treasured possessions and thus you will want to make sure that they are fully protected in the event of accidental loss or damage with a wedding ring insurance policy.

At Assetsure we offer a policy that has been especially designed to cover single valuable items or collections of items. It provides worldwide “All-risks” insurance covering you against accidental damage, theft and loss and in the event of a claim there will be no excess to pay.
The insurance policy we arrange is a fully “stand-alone” cover, no need to insure any other items other than your wedding rings or other items of jewellery if you like. If you do not have the benefit of a home insurance policy or you would like to insure your jewellery separately we will be pleased to provide you with a quotation.

Insurance may not be able to replace the sentimental value of your wedding bands but we can provide insurance protection to compensate you for your loss by quickly working with you and the insurers to provide a replacement.

We are based in the UK and our policies are designed for persons that are normally resident in the United Kingdom, some of the features of our policy are as follows;

  • Worldwide “All- risks” Insurance- This covers physical loss or damage for your wedding rings including theft on a worldwide basis. We have no restriction on the number of overseas trips of up to 60 days you can make in any one period of insurance.
  • Cover other items of jewellery if you require. including your partners band or your bridal set.
  • Excess Free- For specified wedding rings, there is no excess to pay in the event of a claim.
  • Protect your Bonus– By insuring your wedding rings separately via us, you can help protect any valuable no clams bonus earned under your home insurance policy.
  • You can pay by credit or debit card or by convenient monthly direct debit.

All Assetsure arranged polices come with a 30 day money back period. We supply your policy document instantly by e-mail and give you a full 30 days to review them. If you are unsatisfied in any way and subject to no claim, we will happily cancel your policy and provide you with a full refund of your premium paid. (Subject to no claim)

We are open 6 days a week and usually your wedding rings can be quoted and covered the same day. Please click on the above banner to obtain your quotation or if you would prefer, call our office and we will discuss your requirements on the phone

We've got you covered...

Accidental Loss

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

Cover against loss for your wedding rings

You wedding ring is automatically covered against accidental loss. Both your and your partners bands can be covered under one policy if you require. We can also cover " Bridal-Sets". If lost our in-house claims team will work with you and the insurers to verify your claim and quickly obtain a replacement.

Loss of stone

Precious stones can easily become lost, we arrange cover that ensures you can replace a stone if lost.
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Loss of stone

Does your wedding ring contain small stones set in to the band ?

Small stones set in to your wedding band can work loose over time. As they are small, they can be almost impossible to find. A policy arranged by Assetsure will cover the loss of these stones and all claims are settled without excess enabling your ring to sparkle once more without delay.

Accidental Damage

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

Cover against unforeseen accidents.

Wedding bands are intended to be worn full time and thus are especially exposed to potential damage. Excluding normal wear and tear and ageing which insurance will not cover. If you damage or break your wedding band or any of the stones that may be set in to it, the policy we arrange will pay for repairs without deduction of an excess.

Worldwide Cover

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

Insurance for anywhere in the world without restriction.

Your wedding rings will be covered anywhere in the world. There are no restrictions on the number of trips abroad you can take providing no one trip is in excess of 60 days in duration. There are no country restrictions.

Theft

Unfortunately items get stolen, your policy will make sure you are covered if the worst happens.
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Theft

Valuable theft insurance if your wedding ring is stolen

If you wedding band or bands are stolen in a robbery from you personally or from your home or another place such as a gym locker or a place that you are temporarily staying then our arranged policy will pay for a replacement and make no excess deductions. When away from home, your wedding ring must be worn, kept under your close personal control or kept in a locked safe.

Find out what makes us different...

Why we stand out...

We are a specialist jewellery insurance intermediary. Our expert staff can help you obtain insurance for your wedding rings,or bridal sets. We cover all types of wedding rings including those set with stones in the band.

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 pro rata return of premium to be provided (Subject to no claim being made).

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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.