Valuables insurance to financially protect your most cherished pieces
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Valuables Insurance
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Why choose Ripe for valuables Insurance?
Ripe offers specialist valuables insurance designed to provide tailored cover and an expert understanding for high-value possessions.
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Choose to pay no excess
Pick the excess level that works for your budget, giving you more control over how your cover is set up by Ripe.
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Your valuables travel with you
Whether you’re at home or away, your jewellery, watches and rings could be protected against loss, theft and accidental damage worldwide, up to £30k, so you can wear what matters. *Terms apply.
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Multi item cover & Discount
You can insure multiple items, such as a watch or jewellery collection, provided that:
each individual item has a minimum value of £1k
each individual item has a maximum value of £20k
the total combined value does not exceed £30k
Save 10% if you insure more than one item on your policy.
Specialist valuables insurance by Ripe
Some possessions mean more than their price tag. A watch collection, a piece of jewellery or a family heirloom often carries memories and meaning too. Losing or damaging something valuable can be upsetting as well as costly.
Valuables insurance by Ripe is designed to support the items that matter most to you, helping protect them if something unexpected happens at home or away.
Valuables insured by Ripe
What does valuables insurance cover?
Cover your most valuable items against loss, theft, and accidental damage, whether at home or on the go.
Accidental damage
Theft
Loss
Worldwide cover
Loss of your valuables if it was purchased or gifted more than 60 days ago and you have not had it insured in that time
Wear and tear
Unmounted gemstones
Imported items where appropriate UK customs duty has not been paid or where evidence cannot be provided
For the more information on what is and isn’t covered, please visit our Important Documents page.
Why should I consider valuables insurance?
Imagine accidentally dropping your vintage watch, cracking the glass and damaging the mechanism. Or perhaps your favourite diamond necklace gets stolen from your hotel safe while you’re on holiday. With specialist valuables insurance, you may be able to have the costs of a repair or replacement covered if you make a successful claim.
Does home insurance cover my valuable items?
This will vary depending on your home insurance policy, but most standard policies exclude high-value items such as jewellery and watches, particularly when taken out of the home.
You may also find that standard home insurance policies have a single-item cap of between £1,500 and £2,500, whereas specialist valuables insurance through Ripe has a single-item limit of £20,000, with a maximum combined value limit of £30,000.
A standalone policy through Ripe provides financial protection for your valuables, home and away. Get a quote online today to find out how much your policy could cost.
Agreed value, repair, or replacement for your valuables
Should your valuables be lost, stolen, or suffer accidental or malicious damage, you can recover the cost of repair, replacement, or vouchers following a successful claim, up to an agreed value.
Using the agreed value to determine the costs you’re entitled to means you won’t have to dispute the item's market value or depreciation should the worst happen.
Meet our valuables insurance expert
“Specialist valuables insurance through Ripe can help provide financial protection should your jewellery or watches be stolen or lost. Should the worst happen, ensure you report the incident to the police within 24 hours and obtain a Crime Reference or log number to help validate your claim.”
Sean Carney
Chief Underwriting Officer
How to insure valuable items
With Ripe, the process is simple; all you need to do to get insured is get a quick online quote and enter your details to purchase a policy, subject to underwriting checks. Make sure you include the total amount that you wish to be insured for, including the value of your watches, rings, and jewellery, if you wish to be insured for more than one item.
Valuables Insurance FAQs
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Standard travel insurance policies may cover your valuables, but often have a low per-item cap of around £500. Specialist valuables insurance through Ripe has a maximum single-item cap of £20k. To be eligible to make a claim should something happen to your valuables while you travel, you need to ensure that your items are:
Only being worn by you or your immediate family
Carried under your close personal custody or control or that of your immediate family
Deposited in a bank or locked safe
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Yes—you can insure multiple items, such as a watch or jewellery collection, provided that:
each individual item has a minimum value of £1k
no item exceeds the maximum value of £20k
the total combined value does not exceed £30k
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Please contact our dedicated claims team at Davies Group as soon as possible if you need to make a claim. You can begin the process online through Davies’ E-Claims portal. Visit our how to claim page for more information.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: January 2026
Content reviewed by: Sean Carney