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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. We give worldwide “All-risks” insurance covering you against accidental damage and loss and in the event of a claim there will be no excess to pay.
Our policy 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. Our policy is underwritten at Lloyd’s of London and fully administered in the United Kingdom.
We may be unable to replace the sentimental value of your wedding bands 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, some of the features of our policy are as follows;

  • Worldwide “All- risks” Insurance- We provide physical loss or damage for your wedding rings 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.
  • 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 with us, you can help protect any valuable no clams bonus earned under your home insurance policy.
  • Security of a policy underwritten at Lloyd’s of London and fully administered in the United Kingdom

All of our Assetsure 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 provide you with a full refund of your premium paid.

We are open 7 days a week and usually your wedding bands 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 jewellery.
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Accidental Loss

Cover against loss for your wedding rings

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

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

For wedding rings that 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 from 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, we 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 exposed to 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, our policy 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. We have no restrictions on the number of trips abroad you can take providing no one trip is in excess of 60 days in duration.

Theft

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

If you wedding band is 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 policy will pay for a replacement and make no deductions for. When away from home, your wedding ring must be worn , kept under your close personal control or kept in a locked safe.

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…

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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