Jewellery Insurance

Looking for a jewellery Insurance policy?

Jewellery Insurance from Assetsure

We specialise in helping you protect your most valuable possessions. If you have a precious item of Jewellery, our "All-Risks" Insurance policy, which includes, accidental damage, accidental loss, and theft, will provide you with valuable insurance cover.

For some people, covering valuable items under a home insurance policy is not a viable option. Often the sums insured are too high and the insurer does not wish to extend cover.

Now there is a solution to this situation as we at Assetsure are able to offer a stand-alone policy to cover your most precious items. We offer a jewellery insurance policy designed to cover either single items or groups of items without the need to add any other sections of cover at all. We provide a comprehensive worldwide “All Risks” policy wording and we will consider most valuations. In some cases, removing an “All Risks” section, can lead to a more competitive home policy quote and by arranging cover separately, you certainly won't have to worry about losing your no claims discount.

What can we cover?

We provide insurance for all types of jewellery including diamond engagement rings and quality Swiss watches. We are equally happy insuring single items or groups of items, the choice is yours. Simply, complete our online quote form and get a jewellery insurance quote today.

How to obtain your quote?

If you require a quotation our process is simple and easy. In most cases it takes just a matter of minutes and cover can be arranged on the same day. We will provide you with full policy documentation including a schedule of items insured and a full description of the items covered. Your policy will arrive by email within a few minutes of cover being effected. You can either complete one of our online quotes or call our office, we are open into the evening so as you can arrange cover at your convenience.

The type of cover do we provide

When you buy a policy from Assetsure, you are buying peace of mind that your valuable items fully protected by an insurance policy underwritten at the world’s oldest insurance institution. Not only that, the cover provided by our policy has some very worthwhile benefits. Just take a look at the following;

Worldwide ”All Risks” Insurance including :theft, loss and damage.
No limit on the number of trips you can make abroad (60 days any one trip)
No excess to pay in the event of a loss
Cover for damage, theft and accidental loss covered as standard
Cover in and away from the home including street robbery and physical loss
Normally no extra security requirements at home such as safe’s and special locks

For full details of our cover, please refer to our Key Facts leaflet and policy document, both are available on request. If you require a quotation for jewellery insurance, simply complete one of our Jewellery Insurance quote request forms or call our office. In most cases, we are able to provide both a quote and cover on the same day.

We've got you covered...

Accidental Loss

Small valuable items of jewellery are easily lost.

Loss of stone

Precious stones get lost our cover ensures you can replace it if it’s lost.

Accidental Damage

Accidents happen, especially to items designed to be worn for lengthy periods of time.

Worldwide Cover

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

Theft

Unfortunately jewellery get stolen, we make sure you are covered if the worst happens.

Find out what makes us different...

Why we stand out...

Assetsure are experts at the placing of Jewellery insurance on either an individual basis, for example in the case of an engagement ring or for a whole collection of jewellery. We will be glad to receive your enquiry for jewellery insurance either online or over the telephone.

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

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

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…

Jewellery type

It's important to insure your jewellery for the correct amount

Wearer's Age

See what customers are saying about our cover...

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Your Questions Answered

General Policy questions

General Policy questions Claims

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.

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 much should I insure my jewellery for?: You should insure the item(s) for the full replacement value as new in the UK.

Are there any Age restrictions?: Yes, the Assetsure Insurance policy is available only to individuals over the age of 21.

When will I receive my policy?: Your policy will be delivered instantly via email. Cover will begin from the date you request.

How long does it take to arrange insurance?: 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?: The policy has no excess to pay following a claim.

If I lose a stone will I be covered?: 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?: 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?: 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.

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