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Insurance summary

What does our insurance cover?

Designed to suit your busy lifestyle, our valuables insurance covers theft, physical loss and accidental damage to jewellery and watches anywhere in the world.

Accidental damage

We know that accidents can happen, which is why our insurance includes cover for 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

Should your precious items of jewellery or watches be stolen during a break-in at home, or whilst being worn by you or an immediate family member outside of the home, you can rest assured that your Ripe Insurance for Valuables 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 £50,000. 

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.

Please note that the above is a brief summary of cover and should be read together with the full policy terms, conditions and exclusions. To review, download or print the full details of our cover and Terms of Business, visit our Important Documents page.

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