Specialist insurance for engagement rings and wedding rings
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Wedding & engagement ring insurance
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Why choose Ripe for ring insurance?
Ring insurance by Ripe is designed to financially protect your engagement and wedding rings wherever life takes you, including when you are away from home. It means you can keep wearing the pieces you love, without the constant worry.
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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.
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Spread the cost with monthly repayments
Pay in a way that suits you with a monthly repayment option available, so you can protect your ring without a large upfront cost.
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Cover that protects your ring at home and away
Your ring is covered as standard wherever you wear it, whether you are at home, out for the day or travelling. *Terms apply.
What does ring insurance cover?
Accidental damage
Theft
Loss
Worldwide cover*
*Cover up to £20k per item, with a total combined value of £30k if you’re insuring more than one item.
Loss if the item is not insured within 60 days of when it was purchased or gifted
Wear and tear
Unmounted gemstones
Certain imported items
Theft or loss away from home when the item is not in the possession of you or your immediate family or locked in a safe
Claims without evidence of ownership
Theft at home without security devices in operation and without evidence of forced entry
For more information about what isn’t covered under a wedding or engagement ring insurance policy through Ripe, please see our valuables insurance booklet.
What types of rings are covered by ring insurance?
Whether you’re looking for wedding and engagement ring insurance or protection for other high-value rings, we can arrange cover for almost any type. Here are some examples of the rings you can cover through Ripe:
Diamond ring
Traditional diamond rings
Classic solitaires, three-stone rings, and other timeless designs
A synthetic diamond ring
Synthetic diamond rings
Insurance that covers modern styles featuring lab-grown diamonds
A gemstone ring
Gemstone rings
Sapphires, rubies, emeralds, and other precious stones
An eternity ring
Eternity rings
Rings with diamonds or gemstones encircling the band
A vintage ring
Vintage rings
Antique or uniquely styled pieces
A custom made ring
Custom-made rings
Bespoke designs tailored to your preferences
Does home insurance cover wedding rings?
Home insurance can sometimes include engagement ring insurance or wedding ring insurance, but it may not always cover the full value of your rings. Whether your rings are fully covered depends on their price, as home insurance often has a single-item limit, which sets the maximum cost of any individual item on the policy (often between £1k and £2k).
Adding an engagement or wedding ring to your policy as a high-value item will likely increase your insurance premium. Additionally, you may need to add further cover at an extra cost if you want your items covered outside the home.
If you're unsure, it's best to check your policy documents for the exact details of what is or isn't covered. However, specialist ring insurance through Ripe is tailored specifically for wedding and engagement rings.
Types of ring insurance by Ripe
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Engagement ring insurance
Engagement ring insurance protects your most cherished piece of jewellery against the risks of daily wear. For example, if your engagement ring is accidentally dropped and the stone becomes loose, insurance can cover the repair costs, sparing you from unnecessary stress.
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Wedding ring insurance
Your wedding ring is a lasting symbol of commitment to your loved one, and protecting it provides reassurance. If it’s damaged doing everyday tasks or stolen whilst you’re on your honeymoon, wedding ring insurance means you won’t have to worry about the cost of repairing or replacing it.
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Valuable ring insurance
Perhaps you’ve been gifted a luxury ring or inherited a family heirloom. Specialist ring insurance also covers high-value rings that aren’t intended as engagement or wedding rings, ensuring your other sentimental pieces are protected against theft, damage, or loss.
What to do if your ring is lost, damaged or stolen
If the worst happens and you need to claim on your engagement ring insurance or wedding ring insurance policy, here’s what you should do:
Contact the team immediately—submit your claim to our team at The Davies Group by visiting their website
Contact the police—in the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number
Follow the claims process—our team will guide you through the next steps, which may include assessing damage, repairing your ring, or providing a replacement
We’re here to help make the claims process as smooth and stress-free as possible so you can get back to cherishing the special moments your rings represent.
Ring Insurance FAQs
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Want to know how to insure a wedding ring, engagement ring, or other high-value items through Ripe? The process is quick and simple—just follow these easy steps:
Get an instant online quote—tell us your ring’s value and type through our online quote process
Choose your coverage—select the cover level that best suits your needs
Complete the application—provide a few simple details, including your contact information, proof of purchase, and a jewellery valuation
Enjoy peace of mind—your ring is now covered! Should anything happen, simply follow our claims process for assistance
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Several factors can affect the price of ring insurance of other high-value items, including:
where you live
your ring’s value
the level of cover you choose
The quickest way to check how much it will cost to insure your ring through Ripe is to get an instant online quote.
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It’s likely your engagement ring holds sentimental value. It often serves as a reminder of the special moment you shared with your loved one when they popped the question, so losing or damaging it can be heartbreaking. Specialist engagement ring insurance can protect your ring against theft, loss, or damage, helping you feel at ease wherever you go.
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Yes, specialist wedding or engagement ring insurance covers the loss of your ring if it is misplaced or accidentally lost. It’s more common for rings to be lost outside of the home rather than inside, which is why insuring your ring through Ripe includes Worldwide Cover as standard. The maximum cover for a single item is £20k, with a total combined value of £30k if you have more than one item insured.
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No, ring insurance does not usually cover damage classed as wear and tear, such as scratches. However, wedding or engagement ring insurance through Ripe does cover accidental or malicious damage for the cost of repair or replacement.
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Yes, you can insure your ring after you've purchased it. However, it's important to remember that Loss Cover would be excluded if the item you want to insure was purchased or gifted more than 60 days ago, and you have not had it insured in the last 60 days. Your policy would still provide cover for theft and accidental damage for all items you have chosen to include.
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Through Ripe, specialist ring insurance policies allow policyholders to redeem the agreed value of their ring following a successful claim for lost, stolen, or accidentally or maliciously damaged rings.
Having your valuables covered to an agreed value can be more beneficial in the long run than relying on market value to cover your valuables, as you won't have to dispute the items' depreciation with your insurer should the worst happen.
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: February 2026
Content reviewed by: Sean Carney