First-class protection for Jewellery & Watches
Insure your most treasured valuables with experts you can trust
Theft, Loss* and Accidental Damage cover- Worldwide cover included
- No hassle claims service
- Monthly payments available
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Jewellery insurance
Your most treasured jewellery should be enjoyed and worn without the constant worry of loss, theft or damage. With our bespoke jewellery insurance and engagement ring insurance, your precious rings, necklaces, bracelets and earrings will be covered anywhere in the world, allowing you to get maximum wear with complete peace of mind.
Watch Insurance
Our tailor-made watch insurance has been designed with your lifestyle in mind. Whether you have a single luxury watch or a collection up to £30,000 in value, our insurance provides worldwide cover against loss, theft and accidental damage, giving you complete protection home and away.
What does our valuables insurance cover?
What's covered
- Accidental damage
We cover accidental damage, home and away as standard. Whether your valuables are dropped and smashed or sustain other accidental damage, you can rely on our policy to cover the cost of repair or replacement.
Partially damaged items are also covered for the cost of repair and/or restoraion, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.
- Theft
If your jewellery or watches are stolen during a break-in at home, or whilst being worn by you or an immediate family member outside of the home, our policy gives you the cover you need to replace them.
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.
- Loss
Our policy covers loss of items wherever you are, which means that you have fail-safe security and protection should you accidently lose your jewellery and watches, at home, away from the home or out of the country.
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.
- Worldwide
We offer worldwide cover as standard which means we will repair or replace your items, wherever the incident occurred, up to a maximum of £30,000.
Providing that you are a UK resident, your policy allows you to enjoy peace of mind wherever you are with unlimited international cover on all policies.
Keep your valuables insured
To ensure your items are covered by our policy you will need to take the following measures.
- Theft or loss away from home
We can't provide cover against theft or loss away from home unless the item:
Is being worn by you or your immediate family
Is being carried under your close personal custody or control or that of your immediate family
Is deposited in a bank or locked safe
- Theft at home
We can't provide cover against theft from your home unless your jewellery and watches are kept inside the home and any security devices are in operation and there is clear evidence of forcible and violent entry or exit
- Evidence of ownership
We cannot provide cover where no evidence of ownership or a jewellery valuation has been provided
What's not covered
- Loss cover if item not insured with 60 days
If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us
- Wear and tear
We cannot provide cover againt damage caused by wear and tear
- Unmounted gemstones
We cannot cover against liss or damage to any unmounted gemstones
- Certain imported items
Any imported item where appropriate UK customs duty has not been paid or where evidence cannot be provided
For more information about what isn’t covered under the terms of our valuables insurance, please read our insurance booklet.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Insurance Booklet (PDF 374 KB)
Terms of Business
