Jewellery insurance

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What is jewellery insurance?

Jewellery insurance covers the cost of replacing your valuables and keepsakes if they’re lost, damaged or stolen.

Do I need jewellery insurance?

Jewellery insurance is useful as items like rings, bracelets and necklaces can carry a lot of value, both sentimental and monetary. Losing your valuables can cause significant stress, but having cover in place protects you if the worst should happen.

What does jewellery insurance cover?

Jewellery insurance policies will vary between providers, but in most cases you’ll be able to find cover for items including:

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Wedding and engagement rings

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Other rings

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Necklaces

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Bracelets

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Watches

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Earrings

15% declare at least one item

25% of all insured items

How much does jewellery insurance cost?

The price you pay for jewellery cover as part of your home contents insurance policy will depend largely on the amount of cover you take out and the value of the jewellery you want to insure. As you would expect, the more expensive the items the more you’ll need to pay for cover.

However insurers will also take other factors into account, including:

• Security

The price you pay for jewellery cover as part of your home contents insurance policy will depend largely on the amount of cover you take out and the value of the jewellery you want to insure. As you would expect, the more expensive the items the more you’ll need to pay for cover.

• Storage

Likewise keeping your valuables locked in a secure safe also makes it less likely your things will be stolen 

Safe

How to get a cheaper insurance quote

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Shop around

Comparing quotes from a range of providers lets you find the best deal at the best price

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Build your no claims discount

Insurers usually offer a no-claims discount if you’ve gone several years without a claim

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Pay annually

Paying an annual lump sum works out cheaper than paying monthly

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Pay more excess

Insurers will reward you with lower premiums if you volunteer a higher excess fee

Get cheaper home contents insurance

You’ll generally be able to claim on your jewellery insurance policy by filling out a claim form your insurer will have given you, though you may also be able to submit a claim online or over the phone. If you’re claiming for theft you should call the police and submit a report immediately.

If you ever need to make a claim on your jewellery insurance policy, the following tips will make the process easier:

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Declare your valuable items

If you have any items of particular value you should declare them to your insurer - otherwise they may refuse to pay out if you have to make a claim

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Keep your declarations updated

Likewise if you make any big purchases, or even receive jewellery as gifts, you should update your declarations to ensure you always have the cover you need

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Keep a proof of purchase

Insurers will require you to show proof of purchase when making a claim. A receipt is best, though a valuation certificate also backs up your claim

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Take photographs

Photographic evidence of any damage done to your jewellery, as well as photos showing it in brand new condition, can help support your claim

Is my jewellery covered under my home insurance policy?

Contents insurance covers your possessions in the event of theft, loss or damage, including natural disasters, fires or flooding. It’s separate to home insurance, which covers the building you live in, including fixtures and fittings.

Can I get cover for a jewellery set or collection?

Some insurers offer policies for jewellery sets or collections, though these are likely to raise your premiums – you may even have to go to a specialist insurer to get the cover you need.

Does jewellery insurance also cover other valuable items?

You might be able to include cover for other valuables such as art, antiques or collectibles as part of a single policy. Remember to declare any items you want cover for.

What if my jewellery loses value after repair work?

If you have a piece of jewellery repaired, its market value may fall as a result. Some insurers will cover you for this loss in value, but it’s worth finding out beforehand to be sure.

Will I be covered if I take jewellery abroad?

Not all insurers offer cover if you take your jewellery abroad; some might refuse claims outright, while others may only offer protection if you’ve been away for under a certain length of time. If you’re going to take jewellery away with you, checkwith your insurer what level of cover they offer.

Does jewellery insurance have any exclusions?

  • Wear and tear: For example, if you lose a gemstone from a ring or necklace as a result of age or general wear and tear, you won’t be able to claim
  • Misplacement: If you lose an item of jewellery at home some insurers may not class this as strictly ‘lost’. They might say it’s been misplaced, in which case you won’t be covered for loss
  • Unforced theft: Your insurer might also not pay out if your jewellery was stolen and there was no sign of forced entry, or if the person who stole the item was invited into your home
  • Cosmetic damage: Certain types of damage such as scratches or dents are classed as purely cosmetic by insurers, and they probably won’t pay out

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