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What is jewellery insurance?

Jewellery Insurance is a specialist stand-alone insurance that protects your valuables, such as rings, earrings, collars, bangles, cufflinks, broaches, and necklaces. For your most sentimental and valuable items, we recommend taking out stand-alone jewellery insurance, which means you can be comprehensively covered away from the home and worldwide.

We recommend stand-alone insurance for:

  • Discretion: Keeping the value discreet if a gift
  • Simplicity: Few questions needed to arrange cover
  • Speed: Arrange cover within minutes
  • Cost: Splitting insurance can keep costs down
  • Cover: Choose between different levels of cover according to your budget, including accidental loss. You’re covered away from the home as standard, with accidental damage included

Why chose Stanhope?

Stanhope is part of Stanhope Cooper, a leading niche and specialist insurance provider to the UK home insurance market.

We love jewellery insurance because jewellery often connects to a beautiful story. We understand that your ring, earrings, collar, bangle or necklace is one of your most prized possessions. Stanhope’s comprehensive range of jewellery insurance policies gives you the peace of mind to wear your jewellery when and where you want.

Stanhope now offers clients four instant solutions over the phone—a first (we believe) for the stand-alone UK jewellery and luxury watch insurance market. One call to Stanhope today will satisfy the cultural expectation of getting at least three solutions before purchasing.

  • 17 Years of specialist jewellery and high-value home experience.
  • Choose between three stand-alone insurers and four products we have to offer.
  • 2,000 + 4.8 Star Reviews on Reviews.IO and Google Reviews
  • Clear advice and recommendations based on your circumstances

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Alternatively, please contact an insurance advisor on 01730 777 600.

Our stand-alone jewellery policies can include:

  • Worldwide coverage is the standard, with no limit on travel
  • Accidental damage and loss cover
  • Theft and attempted theft cover included
  • Cover away from the home as standard
  • Replacement on a like-for-like basis or variable cash settlement (no vouchers!)
  • Cover if it is being repaired or restored at an approved jeweller
  • Lose one earring, and we’ll replace the set! Pairs and sets included
  • £0 Excess at the point of claim
  • New purchases covered at the point of purchase (see policy limits)
  • Valuations dated within five years of policy inception accepted compared to three years with other stand-alone insurers
  • Claims service included – as your broker, we will negotiate any claim on your behalf with the insurance company
  • Replacement of home safe if broken during theft or break-in
  • Automated documents, sent within minutes of setting up cover

Why should I choose stand-alone insurance and not put the item on my home insurance?

Many home insurance policies offer single-item coverage up to only £1,500 but only in the home. This means that you cannot claim a piece of jewellery worth more than £1,500 unless specified on your home insurance policy. If you want to cover your jewellery away from the home you need to select personal possessions cover and specify the item on your schedule. This can be complex and costly).

On a typical home insurance product you can often specify items over the single-item limit. Still, there will always be a maximum amount, typically just £10,000, of what the insurer is willing to cover. Suppose you have a particularly high-value item, like a Cartier Love Bangle. In that case, you will likely need a specialist jewellery policy or include your jewellery items within a high-value home insurance policy.

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Jewellery Insurance FAQs

Do you have any tips on safeguarding jewellery items?

The safest place to keep your jewellery is in a bank safe. However, if you want to wear and enjoy your jewellery then this is not always practical.

We would recommend having a safe that is anchored to the ground or wall. Here are some other tips:

  • Keep internal doors and windows locked
  • Avoid wearing expensive jewellery to the beach or swimming pool
  • When travelling, keep jewellery on your person at all times
  • Store jewellery in a suitable bag or jewellery box to prevent tarnishing

Why jewellery valuations are important

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 of jewellery, 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.

Jewellery Maintenance: What are clasps and settings checks?

When buying a stand-alone jewellery or watch policy or a high-value home insurance policy, you may notice an endorsement to have the clasps and settings checked at least once every two, three or five years (otherwise known as jewellery maintenance). Because we love jewellery insurance, we want to ensure you understand the expectations of such an endorsement. Read our comprehensive article on the matter.

What are the benefits of Stanhope offering four quotes in one place?

Shop around instantly: You can obtain solutions from multiple products instantly. Doing your ‘shopping around’ instantly allows you to return to your active life.

Cover options: You can choose between different coverage levels. For example, you can take a lower-cost product, excluding accidental loss cover.

Positive competition: Having a range of insurance products on the same panel provides healthy competition, helping to keep premiums competitive and terms sharp.

Underwriting flexibility: Each product has a nuanced client appetite. With three insurers and four products to choose from, you may be able to obtain terms when previously not possible.

Consistent claims process: Each provider has committed to an online claims journey. Stanhope will help with claims regardless of the product purchased, ensuring a quick resolution.

What should I do if I lose my jewellery?

You’ve just realised you’ve lost your wedding or engagement ring, what do you do? Firstly it’s important to know that this is a common thing and you are by no means the first or last person this has happened to. Here are some handy steps to help you find your engagement ring or get it replaced with as little stress as possible. 

Read our full article on this topic.

What jewellery brands do Stanhope insure?

We insure jewellery from all major brands as well as independently registered jewellers. Major brands we love to insure:

  • Tiffany & Co Jewellery
  • Cartier Jewellery
  • Bulgari Jewellery
  • Graff Jewellery
  • Van Cleef & Arpels Jewellery
  • Bvlgari Jewellery
  • Chopard Jewellery
  • Boodles Jewellery
  • Mikimoto Jewellery
  • Piaget Jewellery
  • Chanel Jewellery
  • Harry Winston Jewellery
  • Dior Jewellery
  • Missoma Jewellery
  • Mejuri Jewellery
  • Monica Vinader Jewellery
  • Boucheron Jewellery
  • Alighieri Jewellery
  • AUrate Jewellery
  • David Yurman Jewellery
  • Prganell Jewellery
  • Mappin and Webb Jewellery