Insurance for our private clients and their jewellery
Jewellery is so much more than just a beautiful object; it could be a treasured birthday present, a grandmother's engagement ring, or an anniversary watch.
Precious items like these need the right type and level of cover, which is why we arrange prestige insurance policies you can rely on.
Key benefits and features:
- Cover against theft, accidental damage or loss.
- Agreed value cover ‒ receive an agreed value in compensation.
- Worldwide cover ‒ wear your jewellery whilst away from home.
- Pairs and sets cover ‒ replacement solution of either a single item or new set from loss or damage.
- Cover for mounted stones.
- Extended cover for pieces with up-to-date valuations (as per contract conditions).
- Engagement ring insurance.
- Watch insurance.
Get jewellery insurance cover you can rely on
Our Private Clients team can arrange protection for precious items in your collection now, and as it grows in quantity and value.
What's usually covered in a jewellery insurance policy?
We're always transparent about what’s included in our jewellery insurance cover. However, the cover you need will depend on the items you want to protect.
If you're unsure about anything, speak to our friendly team. We can take your unique requirements into account to arrange cover that’s right for you.
Please note this list is not exhaustive – refer to full policy document for details.
What's insured?
- Damage to jewellery ‒ use a jeweller of your choice.
- Cover against theft, accidental damage or loss.
- Automatic cover for any new items up to 60 days.
- Limited onerous security warranties.
- Agreed value cover ‒ receive an agreed value in compensation.
- Worldwide cover ‒ wear your jewellery whilst away from home.
- Pairs and sets cover ‒ replacement solution of either a single item or new set from loss or damage.
- Cover for mounted stones.
- Separate engagement ring insurance.
- Extended cover for pieces with up-to-date valuations (as per contract conditions).
What's not insured?
- Wear and tear damage is not covered.
- Certain imported items where appropriate UK customs duty has not been paid or evidence cannot be provided.
Top tips to protect jewellery
- Get the clasps and settings inspected regularly, we usually recommend annually for high value and sentimental items.
- It’s beneficial to ensure diamond and gems stones are inspected for clarity to ensure you insure for the true replacement value of the jewellery.
- Valuations are usually sought every 2-3 years as the price of precious metals can fluctuate.
- Keep an up-to-date inventory of your jewellery.
- Keep unworn items securely in a safe/secure place, out of sight.
- Understand any contract clauses that apply to your insurance policy and ask if you’re unsure.
- Ensure the cash/valuables rating of your safe is adequate for your jewellery collection, it’s certainly worth considering future purchases to protect against having to purchase further safes.
- Make sure your home’s physical security is regularly maintained.
Still not sure what level of jewellery cover you need?
Our Private Clients team can arrange protection for precious items in your collection, get in touch with us today.
Why choose us?
Each of our clients and their families have their own dedicated Client Executive who looks after them. As your needs change and develop, so do your policies.
Our commitment to you
Specialist insurance
for you and your family, from your personal adviser and dedicated team.
Working with you locally
backed by the world’s leading insurance broker and risk management adviser.
Our focus
is to get you exactly the right cover from our specialist insurer partners.
We ensure confidentiality
and discretion, whilst protecting your personal data.
We represent your interests
at the time of a claim, to get you the best possible outcome.
Proactive help
to prevent disruptive claims occurring and to make things better for the future if they do.
Clear and transparent advice
you can trust, protecting your family, assets and lifestyle year after year.
Our personal service is backed by the world’s leading insurance broker and risk management adviser, so you know you're in good hands.
If you're unsure where to start, please call our specialist and friendly team on 0330 1623 121 to get the help you need.