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Home › Jewellery Insurance › Charm Insurance

Charms Insurance

Charm collecting has been popular for centuries and for lovers of jewellery it represents not only the pleasure of being able to wear your charms, but the ability to add to the collection over a period of time as charms become available.

Charm bracelets often become a talking point amongst families and friends with the owner usually choosing to focus on one particular type of theme such as; designer, material, type of animal or even brand such as Pandora. For this reason, charms make excellent gifts and presents with the owner being particularly pleased to receive a charm that fits in with their chosen theme.

Over a period of time, a charm bracelet can become quite valuable with some owners acquiring so many that they cannot all be worn at the same time. Usually up to two dozen charms can be fitted on a single bracelet, sometimes more depending on the size and shape of the charms.

At Assetsure, we have a policy that has been specially designed to insure charms and charm bracelets, it will also cover other items of jewellery if you so require.

Unlike home insurance, we are quite happy to quote insurance for single items, and we won’t insist you insure the rest of your home contents with us. Our policy is thus ideal if you are only looking to cover a small number of valuable items.

Often a collection of charms falls outside the monetary limits of a standard home insurance policy and if you have a collection that exceeds your insurers limits,, we should be able to assist you with insurance.

We are based in the UK and policies are designed for persons that are normally resident in the United Kingdom, the basis of cover is worldwide all risks insurance, which covers: loss, damage and theft with no restrictions on how long you can be abroad. ( Maximum sixty days any one trip)

We've got you covered...

Accidental Loss

You will be covered if you mis-place or accidentally lose and of your charms
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Accidental Loss

Small items are easily lost

A charm bracelet can contain up to two dozen charms, sometimes more and there is always the possibility that one or more will be lost. The policy we arrange, will cover you against loss of charms and if you do need to make a claim, there is no excess to pay. The insurance will pay for the loss of a complete bracelet or individual items.

Theft

Unfortunately charm bracelets get stolen, we make sure you are covered if the worst happens.
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Theft

Thieves also admire Charm Bracelets

Whilst wearing your items, you are covered if someone steals them from you, for example in a street robbery. You are also covered if someone steals them from your home or another place where you are temporarily staying. Please refer to the policy wording for full details of how your items are covered.

Accidental Damage

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

Covered for Accidental Damage

Charm Bracelets are more susceptible to accidental damage than many other types of jewelley and can easily be damaged whilst being worn. With a policy arranged by Assetsure, you will be covered against accidental damage to the bracelet and any of the individual charms. There will be no excess to pay in the event of a claim.

Worldwide Cover

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

Cover for your Charm Bracelet against : loss, damage or theft anywhere in the world

We insure charm brackets anywhere in the world, providing you are normally a resident of the United Kingdom. We have no country restrictions and there is no need to tell us of your travel plans. You can travel as often as you like providing no one trip is over 60 days in duration.

Find out what makes us different...

Why we stand out...

We are a specialist jewellery insurance intermediary and can arrange a policy to cover your charm bracelet and charms. Cover operates anywhere in the world for: loss, damage or theft of either the whole bracelet or any of the individual charms.

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).

Start here. Get a quote for your first item now…

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Your Questions Answered

General Policy questions icon-thin-chevron-down
General Policy questionsClaims
Who are Assetsure ? icon-thin-chevron-down

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 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

Yes, the Assetsure Insurance policy is available only to individuals over the age of 21.

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly via email. Cover will begin 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.

Important Documents

AGI Jewellery Collectables Wording AGJC0921

AGI Jewellery Collectables IPID

Assetsure Terms of Business Agreement January 2022