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Why choose Ripe for Jewellery Insurance?
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Worldwide cover up to £30k
Whether you're wearing your jewellery at home or abroad, you're covered for loss, theft, and damage wherever life takes you. *Terms apply.
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Multi-Item cover with 10% discount
Insure multiple items in your jewellery collection on a single policy and save 10% when you cover more than one item, which is perfect for those who treasure multiple pieces.
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Monthly repayment option
Spread the cost of protecting your jewellery collection with the option to pay in convenient monthly instalments.
Specialist jewellery insurance by Ripe
Jewellery often marks important moments in life. Rings, watches and treasured pieces are worn, gifted and passed down. Daily wear, travel and special occasions can all increase the risk of loss or damage.
Jewellery insurance by Ripe is designed to help protect your valuable pieces wherever you are, helping protect what matters most to you.
What does jewellery insurance by Ripe cover?
Accidental damage
Theft
Loss
Worldwide cover
Loss of your jewellery 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.
Types of jewellery covered by specialist jewellery insurance
Specialist jewellery insurance through Ripe can cover a wide range of different high-end jewellery items, whether they’re made from silver, gold, or diamonds. If you own an item of jewellery which is not mentioned in the list below we may still be able to arrange cover for it, provided it has a value of between £1k-£20k. Check the policy wording on our Important Documents page for the full definition of what can be covered through jewellery insurance.
Tips for keeping your jewellery safe
Alongside following the specific conditions of your jewellery insurance, there are a few simple steps you can take to ensure your precious items stay safe:
Store items securely—use a lockable, fireproof safe at home to protect your jewellery from theft or damage.
Use home security systems—invest in high-quality security systems with cameras, alarms, and motion sensors for added protection.
Remove jewellery in risky situations—avoid wearing high-value items in high-risk environments, such as while exercising, travelling, or working, and keep them in a locked safe instead.
Keep records of your jewellery—document detailed descriptions and photographs of your jewellery for easy reference when filing a claim on your jewellery insurance.
Regularly update your jewellery insurance—ensure your policy reflects the current value of your collection through professional appraisals and that any valuation is in line with your insurance conditions.
Avoid posting items on social media—sharing images of high-value jewellery can inadvertently attract thieves and put your items at risk.
Jewellery Insurance FAQs
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Standard house insurance policies won’t usually cover loss of your jewellery away from the home, or any single item over £1k-£2k, without an add-on at an additional cost.
Standalone jewellery insurance covers theft, loss, and damage both at and away from home.
Policies by Ripe also include Worldwide cover as standard, meaning the insurer will repair or replace your items up to £20k per item, with a total combined value of £30k if you’re insuring more than one item, even if the incident occurs abroad.
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Standard travel insurance policies generally cover your jewellery, provided none of your items exceed the single-item limit (which can be as low as £200-£300). That’s why, if you have high-value jewellery, you may want to consider getting standalone jewellery insurance to help financially protect your high-value items.
Please note: Jewellery insurance should not be treated as a replacement for travel insurance.
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Jewellery isn’t always just valuable, it’s often sentimental, too. Whether it’s your engagement ring, a family heirloom, or a special gift, losing or damaging it can be heartbreaking.
Specialist jewellery insurance can help protect your treasured pieces against theft, loss, or damage, giving you peace of mind wherever you go. If you want the reassurance that your jewellery is covered at home, away, and even worldwide, you might want to consider insurance.
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The cost of your jewellery insurance policy depends on a few factors, such as:
your age
your location
the value of your jewellery
You can get an instant online quote to learn the cost of your cover.
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Yes, you can take out jewellery insurance for a single item valued between £1k and £20k through Ripe. The policy helps provide protection against accidental damage, theft, and loss, both at home and abroad, with worldwide cover included as standard.
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It depends on your insurance provider, but typically every two to five years. At Ripe, we deem a jewellery valuation valid if it was completed within the last 3 years by a NAJ-registered valuer.
Explore more information on our jewellery valuation guide.
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Content reviewed: February 2026
Content reviewed by: Sean Carney