Wedding & engagement ring insurance

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

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.

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.

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 £50k if you have more than one item insured.

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.

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.

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.

Yes, Ripe arranges cover for eligible lab-grown diamond rings as well as natural diamond rings. Each ring must be valued between £1k and £20k.

Yes, you can include eligible wedding rings and your engagement ring on one policy. Each item must meet the eligibility requirements, with up to £20k per ring and £50k combined cover.

Worldwide cover is included, subject to policy conditions. Away from home, your ring must be worn, kept under your close personal custody or control, or deposited in a bank or locked safe. Leaving it on a hotel bedside table would not meet these requirements for theft or loss cover.