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.
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.
Finding cover for your valuables is easy, all you need to do is:
Whether it’s an engagement ring, an antique necklace or a Rolex watch, enter some details about the piece you want to insure
Choose an amount that would cover a replacement
You’ll need to enter some basic details like your name, address and contact info
See how much your cover will be and choose whether you want to pay monthly or annually
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:
There are a few ways you can help protect your valuables from theft or loss:
Investing in a safe for your most expensive possessions can keep them from prying eyes
Insuring your valuables for the right amount will mean you don’t lose out if anything happens to them
You might need them as proof if you need to make a claim for one of your valuables
If you’re travelling, keep your jewellery as close to you as possible – in a handbag or carry on
As proof that they’re yours and for evidence, should you need to make a claim
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.
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.
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.