What is Jewellery Insurance?
Looking for the best jewellery insurance? Our comprehensive range of four insurance policies gives you the peace of mind to wear your jewellery when and where you want. Whether it’s a purchase from Boodles, Graff, Tiffany, Cartier, Beaverbrooks or any other jewellery worldwide, our comprehensive insurance coverage means you’ll sleep better at night.
Jewellery only insurance is a stand-alone insurance product which comprehensively protects your item(s).
Our comparison site caters for jewellery items or collections from £1,000 in value up to £500,000, and everything in between. We built it this way, ensuring getting cover couldn’t be easier. If your collection is over £500,000, no problem! Get a quote online and we’ll talk through the options.
Get four quotes, instantly online.
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
Arrange cover, instantly.
Why choose 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 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 offers clients four instant solutions online —a first (we believe) for the stand-alone UK jewellery and luxury watch insurance market. Why Stanhope?
- 17 Years of specialist jewellery and high-value home experience.
- Choose between three stand-alone insurers and four products we have to offer.
- 2,300 + 4.8 Star Reviews on Reviews.IO and Google Reviews
- Clear advice and recommendations based on your circumstances
Get up to four quotes online, within minutes
Arrange instant cover
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.
