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Underwritten by Aviva Insurance Limited Aviva logo

Protect your engagement ring

Enjoy peace of mind with our tailor-made ring insurance.

PLUS we'll beat any quote by 5%

  •  Lowest Price Guarantee
  •  Loss, Theft, Damage cover
  •  UK & Worldwide cover
  •  No excess
  •  No-hassle claims

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Save 10% when you insure two or more items

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Our engagement ring cover is a better alternative to home insurance...

Every ring is unique and carries memories that are irreplaceable. Engagement rings are especially symbolic, representing a lifetime of dedication and care. Our bespoke engagement ring insurance offers the protection and peace of mind you need, with cover up to £20,000 per ring and a total combined value of £30,000.

Accidental damage

Our ring insurance includes cover for accidental damage, home and away as standard

Theft

Cover in case your rings are stolen during a break-in or whilst being worn by you or an immediate family member

Loss

If you accidentally lose your ring at home, away from home or out of the country, you'll be covered†

Worldwide coverage

Included as standard, so we'll repair or replace your rings, wherever the incident occurred

What does our engagement ring insurance cover?

What's covered

  • 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.

  • 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 ring 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.

  • Accidental damage

We cover accidental damage, home and away as standard. Whether your ring is 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 restoration, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.

  • Theft

If your ring is 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.

Keep your engagement ring insured

To ensure your engagement ring is 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 ring is 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 ring 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 against damage caused by wear and tear

  • Unmounted gemstones

We cannot cover against loss 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.

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†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.

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