Financial protection for the pieces you treasure, from one special item to a collection of watches, rings and jewellery.
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Rated 'Excellent' on Trustpilot
UK customer service team
Monthly payment option
Underwritten by Hiscox Insurance Company Limited
Valuables Insurance
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Why choose Ripe for valuables Insurance?
Ripe arranges specialist insurance with a UK-based customer service team to help with your questions. Trusted by over 5,000 policyholders*, rated “Excellent” on Trustpilot and with cover underwritten by Hiscox Insurance, you can arrange cover for individual pieces or collections.
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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 £50k total, so you can wear what matters.
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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 £50k
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
From a treasured ring to a watch collection or jewellery passed down through the family, Ripe arranges cover for individual pieces up to £20k and multiple items worth a combined value of £50k on one policy. Explore the options below to learn more about the valuables you want to protect financially.
What does valuables insurance by Ripe cover?
A damaged necklace, stolen watch or a lost engagement ring can be very emotional and could leave you facing repair or replacement costs. Valuables insurance by Ripe provides cover for watches, rings, and jewellery against accidental damage, theft, and loss. Read more about our cover below, and any exclusions.
Single item cover up to £20k
Multi-item cover up to £50k combined
Accidental damage
Malicious damage
Theft
Loss, subject to conditions
Worldwide cover
Repair or replacement
£0 excess option
Loss isn't covered where the item was not purchased or insured in the last 60 days, subject to conditions
Unexplained loss or disappearance
Wear and tear or gradual deterioration
Mechanical or electrical faults
Damage caused by cleaning, repairs or routine maintenance
Items hired out or loaned to others
Loose or unmounted gemstones
Imported items without the required UK customs duty payment or evidence
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.
Here's what some of our policyholders say about us...
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Mark, September 2026
"Great communication, reminds me you are in the background should anything happen, thank you"
★★★★★ -
Michael, July 2026
"I’ve been with Ripe for four years easy to contact by email or phone, I find their pricing to be more than fair. Would highly recommend this company."
★★★★★
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Derek, November 2025
"Was easy to enter the details for both of the items I wanted to insure to get the quote which was reasonable for the value I was getting the gold insured for."
★★★★★
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 £50k
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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.
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Yes, eligible watches, rings and other jewellery can be insured on one policy. Each piece must be specified, with cover available up to £20k per item and £50k combined.
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Yes, pieces you inherited may be eligible for cover. You’ll need to establish their value and provide suitable evidence of ownership or a valuation.
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You’ll need suitable evidence to support the value of your items. This may include a purchase receipt or jewellery valuation. If a jewellery valuation is required, it must have been completed within the last three years by a National Association of Jewellers Institute Registered Valuer.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £40 voucher of your choice, but your friends could make some great savings too!
