Pendant Insurance Cover - Get a Quote | Assetsure Insurance

Pendant Insurance

Insurance for pendants, lockets and chains without the need to insure anything else.
Pendants are often given as gifts and whilst it is not typical to have a collection of them, as individual items they can be quite valuable. A wide variety are available with popular designs including stones such as diamond and pearls contained within a setting and hung from a chain usually made from a precious metal. Our definition of valuable pendants includes medals and awards.

At Assetsure, we have an insurance policy that has been specially designed to insure pendants, lockets, chains & other jewellery which provides wide "All-Risks" insurance cover.

Unlike many intermediaries, we are quite happy to provide insurance quotes for single items, and we won’t insist you insure the rest of your home contents with us.

This is ideal if your pendant falls outside the limits set by your own home insurer’s policy. We are based in the UK and our policies are designed for persons that are normally resident in the United Kingdom, The policy we provide covers worldwide "All risks" insurance which includes; accidental damage, accidental loss and theft. There are no restrictions on how long you can be abroad providing no one trip exceeds 60 days

We've got you covered...

Accidental Loss

Insurance provided if you mis-place or accidentally lose your pendant.

Theft

Unfortunately pendants like other precious items of jewellery get stolen, we make sure you are covered if the worst happens

Accidental Damage

Accidents happen, an Assetsure arranged policy, will ensure that your item can be repaired or replaced.

Worldwide Cover

Cover for your pendant on a Worldwide basis

Loss of stone

Precious stones can get lost and a policy from Assetsure can help to ensure that your valuable item is replaced as quickly as possible.

Find out what makes us different...

Why we stand out...

We are a specialist jewellery intermediary 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

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.

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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