Jewellery and valuables insurance

Protect your valuables - get a quote for jewellery insurance from Assetsure[1]

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Peace of mind for precious possessions

Jewellery insurance can help to cover the cost of your jewellery, watches and other valuables, in the event of loss, theft or accidental damage.

If you own high-value pieces, they may not be covered by your home insurance. Taking out a specialist policy can help give you peace of mind and protection.

Does home insurance cover jewellery?

Home contents insurance policies vary but you may be covered if your jewellery goes missing or is stolen.

Many providers don’t include cover for personal possessions away from home or accidental damage to jewellery as standard, this would need to be bought as an optional extra on your home insurance policy.

How to insure your engagement ring, jewellery or valuables

Finding cover for your valuables is easy, all you need to do is:

  1. Choose the type of jewellery you want to insure

    Whether it’s an engagement ring, an antique necklace or a Rolex watch, enter some details about the piece you want to insure

  2. Estimate your jewellery's value

    Choose an amount that would cover a replacement

  3. Enter your details

    You’ll need to enter some basic details like your name, address and contact info

  4. Get your quote

    See how much your cover will be and choose whether you want to pay monthly or annually

What does it cover?

While some jewellery may be irreplaceable, choosing the right insurance will mean you're financially compensated in the event of loss, theft or accidental damage.

Most jewellery insurers offer cover for a range of items, including:

  • Watches
  • Wedding rings
  • Engagement and diamond rings
  • Diamond necklaces
  • Bracelets
  • Diamond earrings

How to keep your jewellery safe

There are a few ways you can help protect your valuables from theft or loss:

  1. Lock them away

    Investing in a safe for your most expensive possessions can keep them from prying eyes

  2. Insure all your valuables

    Insuring your valuables for the right amount will mean you don’t lose out if anything happens to them

  3. Keep all your receipts

    You might need them as proof if you need to make a claim for one of your valuables

  4. Put jewellery in your hand luggage

    If you’re travelling, keep your jewellery as close to you as possible – in a handbag or carry on

  5. Take photos of your valuables

    As proof that they’re yours and for evidence, should you need to make a claim

Frequently asked questions

  • Are my valuables covered when travelling overseas?

    Usually your valuables will be covered by your jewellery insurance or travel insurance when you go abroad. Check the terms and conditions to make sure you’re covered.

    Our guide to personal possessions cover outside the home can help you more.

  • What happens if I under-insure my valuables?

    If you under-insure and make a claim, the payout may not be enough to cover the replacement.

    It’s important to get the value of your jewellery right so you don’t lose out.

  • Are my valuables covered by loss, theft and accidental damage?

    Yes – a specialist jewellery policy can cover you for loss, theft and accidental damage although you might already be covered by your home insurance provider.

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