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Wedding Ring Insurance

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Home / Jewellery Insurance / Wedding Ring Insurance

Wedding Ring Insurance

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

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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

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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