Precious Stone Insurance Cover - Get a Quote | Assetsure Insurance

At Assetsure we can arrange insurance for your precious stones including: Diamonds, Rubies, Pearls and Emeralds. We can quote for precious stones if they are affixed in to jewellery.

However we may be able to obtain insurance from persons with adequate security that have a collection of stones for Investment purposes. Please telephone our office to discuss your requirements.

Outside of the above, if you are a collector of semi-precious stones or gemstones, rocks, minerals or even fossils, we should be able to assist you with insurance for your collection.

Our Assetsure Collectables Insurance Policy provides a wide range of valuable covers that are not normally available under a home insurance policy.

Often a home insurance policy will have limits on the value of a collection in proportion to the remainder of the contents insured, if your collections falls outside these limits, we will be able to assist you with a separate policy.

Why we stand out...

We are a specialist jewellery insurance intermediary. We can cover your precious stones provided, they are contained within items of jewellery. Please contact our office to discuss your requirements.

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…

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Latest News and Advice

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Your Questions Answered

General Policy questions

General Policy questions Claims

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 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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