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Our claims service

Reimbursing you following a claim

We understand that making a claim can be stressful. Our aim to is to give you clear, helpful information to make the process as simple and worry free as possible. Should the worst happen, our UK based claims department will work with you to quickly and efficiently resolve your claim, offering advice and keeping you informed along the way.

How we value your items

This is an agreed value policy. This means that if an item has lost value or gained value since the policy was incepted, the maximum amount paid will only ever be the amount stated on your schedule.

Partially damaged items

If an item is partially damaged, we will pay for the cost of repairing and/or restoring the item plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.

Lost, stolen or beyond repair

If the item is lost, stolen or deemed to be beyond economical repair, we will replace the item with a similar one or we will reimburse the agreed value. If the agreed value is reimbursed, it may be issued as a voucher.

Replacing your valuables

Our claims team have access to jewellers who can supply handmade and bespoke jewellery items, as well as having access to the leading suppliers of watches and jewellery to make replacing your precious items a smooth and stress-free experience.

Important claims information

What do I need to provide in the event of a claim?

  • You must tell the police immediately and obtain a crime reference number regarding property that has been lost, stolen or maliciously damaged.
  • You will need to supply a valuation completed in the last 3 years carried out by a National Association of Jewellers registered valuer. Alternatively, if your item is less than 3 years old, you can use the original sales receipt.

How to make a claim

If an incident happens contact one of our helpful advisers as soon as you can.

If you call out of office hours, you can leave a message and you will be contacted the next working day.

Please note: All claims must be made within the claim notification period outlined in your insurance booklet


Telephone: 0333 400 6816

Post: Ripe Insurance for Valuables Claims Department, Davies Group, PO BOX 2801, Hanley, Stoke on Trent, ST4 5DN

Any questions?

Give us a call on 0333 400 9496 (Mon-Fri, 9.00am - 5.30pm) or contact us here.

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