FAQs

Your Questions Answered

Do you Insure Bicycles used for Business ?

Unfortunately, we are unable to insure bicycles used for business purposes. This would include for example, Bicycles used for food delivery.

Do you cover unmounted precious stones ?

Unfortunately, we do not cover loose precious stones. We only provide insurance for precious stones when they are mounted in an item of jewellery.

Who are Assetsure ?

Assetsure is a UK-based insurance provider, authorised and regulated by the Financial Conduct Authority. We are also proud members of the British Insurance Brokers Association. We also have LLoyd's of London coverholder status.

How much does ring insurance cost?

You can find out how much your ring insurance will be today by completing our online quotation form.

How to get a ring valued for insurance?

In order to ensure you receive a ring insurance policy that covers the value of your item, it is important you understand the true value of it by getting your ring valued. At Assetsure, for our own Jewellery Insurance policy, we do not insist that valuations are signed by a National Association of Jewellers registered valuer. We can put you in touch with companies that provide online jewellery valuations which will be suitable if you want to buy a policy from Assetsure.

Do you cover standard ring insurance?

Yes, our insurance policies for rings are very flexible. Not only will we insure diamond rings, we will also insure other type of rings, which include, engagement rings, wedding rings, diamond rings, sovereign rings, signet rings and more. Complete the online quote or contact us to receive your quote.

Specialist Watch insurance compared to Home Insurance

If you own a Rolex you can insure it in a variety of ways, the two most common are by including it under your home insurance or taking out a specialist policy such as that offered by Assetsure.

If you do choose to insure it under your home policy and require cover for loss or damage away from the home, you will probably need to make sure your insurer has included the item under the separate all risks section of the policy. Without this section being operative, you may not receive the cover you require.

Specialist watch insurance gives you the opportunity to insure your most valuable watch items without attaching it to your property insurance, a claim could result in you losing your valuable no claims discount.

Securing specialist watch insurance like Rolex insurance would ensure the true value of the watch is protected if anything ever happened to the item. To obtain this protection though you must insure it for an accurate replacement cost.

At Assetsure, we ensure your watch is protected against accidental loss, damage, theft and worldwide cover. So consider, Rolex insurance with us today.

What will your Rolex insurance cover?

Our Rolex insurance covers you against:

• Accidental Loss
• Accidental Damage
• Theft
• Worldwide Cover

This ensures you are covered across an array of possibilities even when you take the item out of the UK. We allow unlimited trips abroad to be made with no one trip to exceed 60 days in duration.

Rolex Valuations

Before insuring your Rolex with us, we recommend carrying out a Rolex valuation to ensure we accurately cover the monetary value of your watch. The cost of your Rolex replacement sum insured will affect your insurance quote, so it is important we receive accurate valuation documents to insure we can cover your item fully.

Assetsure are able to recommend online valuation companies who can value your Rolex online, so we can give you an accurate quote online.

Does Assetsure provide single item jewellery insurance?

Assetsure offers single item insurance for all types of valuables. You don't need to insure your entire home with us to get coverage. Whether you have a single item or a collection of jewellery, we can likely provide the insurance you need.

Are jewellery valuations important for insuring jewellery?

Valuations are extremely important for insuring jewellery as declaring the wrong valuation can mean you are under insured. If you have under insured on your quote and you wanted to claim against your policy, you may find you are not fully covered for the correct amount losing out. It’s thus important you ensure you carry out a valuation for your jewellery. We have trusted valuation jewellers we can recommend for you to get accurate valuations on your items.

How do I get a jewellery insurance quote?

Getting a jewellery insurance quote with Assetsure is very simple. You can complete our online quote form online, whereby your insurance policy can be ready during the same day. We will then ensure you receive all your policy documents instantly to your mailbox.

What does jewellery insurance cover?

Our insurance covers an array of items including diamond engagement rings, luxury watches, wedding rings, earrings, pendants and more. Please contact us if you want to find out if we can cover your item.

Our jewellery insurance will ensure you are covered from:

• Worldwide Risks
• No limit on trips abroad (up to 60 days for any one trip)
• Loss with no excess to pay
• Damage, theft or accidental loss
• Robbery or physical loss

How to get jewellery valued for insurance?

Valuations are usually provided with new jewellery and it’s important that you seek advice every two years to seek an update on your item valuation.

We also understand items of sentimental value cannot be replaced however having an accurate valuation of an item will ensure if the item ever did get lost or damaged then you are covered through monetary value.

Assetsure are able to provide access to trusted valuation jewellers if required to ensure you can get an accurate quote on the value of your item. Please contact us if you require us to introduce you to a jeweller that will be able to provide a valuation to ensure your item can be fully covered with an adequate sum insured to ensure replacement in the event of loss.

How does engagement ring insurance work?

Engagement ring insurance with Assetsure works just like any other insurance. In most cases, we can provide cover on the same day you request a quote. Simply use our online calculator to start the process and obtain your insurance quickly and easily. If you prefer, you can also call our office for assistance.

Does ring insurance cover loss?

Assetsure’s ring insurance covers accidental loss, protecting your ring against life’s accidental periods. We also ensure your ring is protected against:

• Accidental Damage
• Theft
• Loss of Stone
• Worldwide Cover (providing no one trip is over 60 days in duration)

How much is ring insurance?

The cost of ring insurance is dependent on many factors. However, cost plays a major part, the more it will cost us to replace your ring, the more your insurance is likely to cost.

By entering your details into our online ring insurance calculator, you will quickly be able to discover the cost of your item being insured by Assetsure.

We offer policies which can be paid for on a monthly or yearly basis and can be paid for via debit or credit cards.

A ring insurance policy obtained from Assetsure will provide comprehensive cover including Theft, Damage or Loss. Always check your policy for any special restrictions.

How to get a ring appraised for insurance?

Rings can have sentimental value attached to them, which cannot be replaced by an insurance policy. However, if the item is to be damaged or lost, it is important to have an accurate valuation of the item.

Assetsure have contacts within the jewellery trade and if you require a valuation, please contact us as we may be able to point you in the right direction.

Valuations are also normally supplied with new rings, but you will need to seek updated advice on valuations every couple of years.

How to insure a ring?

Insuring a ring with Assetsure is straightforward. Simply get a quote online by completing our online calculator and we can have your insurance ready to start today. We are able to deliver your policy instantly to your email inbox.

How do I insure my Rolex?

Insuring your Rolex with Assetsure is straight forward. You have the option to complete our online quotation form or to contact us by telephone. Once you contact us and let us know the details about your Rolex watch you would like to get cover for, we will be able to provide you with a quote, which is usually provided on the same day. If you choose to go with our policy, we can have it emailed over to you immediately.

Do you provide Legal Expenses Insurance?

Legal Expenses insurance is included in all of our pedal bike polices. We recognise that cyclists are vulnerable to accidents with third parties such as motor vehicles and thus this policy will help to recover amounts for injury or damages. Level of cover £100,000.

Can I choose my own levels of cover?

Yes. Our policy provides “core cover” which covers the cycle against damage, theft, accessories cover, helmets & clothing and replacement cycle hire.

You can change these sums insured to suit your needs and add additional sections such as Public Liability and Sporting events.

Can I insure more than one bicycle?

Yes, our policy can cover up to 10 cycles on one policy, you can also add additional family members if required.Please note we cannot cover additional riders that are under the age of 14.

Will you make a deduction from a claim because of the age of my cycle?

We do not make deductions based on the age of any cycle.

You should insure your bicycle for the full recommended retailer’s price of a new replacement cycle, this will help ensure your sum insured is adequate.

When will my cover start?

Your cover will start as soon as you pay your premium online, either in one lump sum or by instalments. However please note, cover cannot be backdated and you cannot claim for damage that has already occurred to your cycle.