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What is Engagement Ring Insurance?

We understand that your engagement ring is one of your most prized possessions. Our comprehensive range of insurance policies give you the peace of mind to wear your engagement ring when you want and where you want.

Choose from either a standalone bespoke policy or inclusion within our high value home insurance policies. Our experienced team will provide you with the policy that best suits your needs.

Why do you need engagement ring insurance?

Buying or receiving an engagement ring is one of life’s special occasions.  If you are going overseas to propose or are planning a long engagement, it is important you have the right level of cover in place.

An engagement ring is worn every day and is therefore vulnerable to loss, theft and above all accidental damage. A comprehensive insurance policy will give you peace of mind to enjoy wearing it no matter where you are.

Main benefits of jewellery policy

  • Worldwide Coverage included as standard.
  • Comprehensive cover for Accidental Damage, Theft, and Loss.
  • Cover available up to £1,000,000.
  • Cash or replacement option in the event of a claim.
  • No excess to pay in the event of a claim.

Do I need a valuation for an engagement ring?

If you make a claim on an insurance policy for loss, damage or theft then you will be asked to provide a valuation or receipt. For a high value item like an engagement ring, it is best to have a valuation certificate. The price of diamonds and gold often fluctuates and so you don’t want to rely on your receipt in case your jewellery item has increased in value since you purchased it. We recommend obtaining a professional valuation from a member of a professional guild or union. You can also get a valuation from a specialist or high street jeweller.

Do you have any tips on safeguarding your engagement ring?

The safest place to keep your engagement ring is on your finger or in a bank safe. We would also recommend having a safe at home that is anchored to the ground or wall.


Get a quote or call us on 01730 777600