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What is Jewellery Insurance?

Jewellery Insurance is cover to protect your valuables, such as rings, earrings, and necklaces, in the event that they are lost, stolen, or accidentally damaged. Your insurance policy will cover the cost of these items to ensure you are safe financially. For your most sentimental and valuable items, we would recommend taking out jewellery insurance, as this will mean you are covered if the item is lost outside of your home.

Why do you need jewellery and watch insurance?

Many home insurance policies will offer single item cover up to only £1,500. This means that you would not be able to claim for a piece of jewellery worth more than £1,500. You can often list items in excess of the single item limit but there will always be a maximum amount, this could typically be just £10,000, of what the insurer is willing to cover. If you have a particularly high-value item, like a Cartier ring, it is more than likely you will need a specialist jewellery policy or will need to include your jewellery items within a high value home insurance policy.

Do I need a jewellery valuation?

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.

Why choose Stanhope for your jewellery insurance?

We understand that your ring or necklace is one of your most prized possessions. Our comprehensive range of jewellery insurance policies gives you the peace of mind to wear your jewellery 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.

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Our jewellery policy includes:

  • Worldwide Coverage included as standard.
  • 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.
  • Accidental damage, Theft, and Loss covered as standard.

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. However, if you are uneasy about having a safe in your home, then you should find a sensible hiding place for your jewellery. 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