Jewellery insurance
Specialist jewellery insurance. Solid gold protection.
We know how much your personal jewellery means to you. Ripe Insurance for Valuables has been designed to allow you to quickly and easily protect a wide range of jewellery including rings, necklaces, bracelets, earrings, tiaras, bangles and brooches. Our jewellery insurance provides first class cover for low premiums, giving you peace of mind and the freedom to wear your jewellery wherever you are.
What does our jewellery insurance cover?
What's covered
- Accidental damage
We cover accidental damage, home and away as standard. Whether your jewellery 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 restoraion, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.
- Theft
If your jewellery 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.
- 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 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 £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.
Keep your jewellery insured
To ensure your jewellery 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 jewellery 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 jewellery 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.
What is specialist jewellery insurance?
Specialist jewellery insurance covers your jewellery against loss*, theft and accidental damage. Our jewellery insurance allows you to protect a range of valuable and potentially irreplaceable items such as rings, necklaces, bracelets and more worldwide.
Why do I need to insure my jewellery?
Jewellery is often hard to trace, easy to spot and delicate in size, and is therefore particularly vulnerable to loss*, theft and accidental damage. That’s why you should protect your precious items by taking out specialist jewellery insurance. Having specialist jewellery insurance means you can wear items of value without worrying about what could happen to them.
What does specialist jewellery insurance cover?
Specialist jewellery insurance covers your valuables against loss*, theft and accidental damage both at home and away from home. Our jewellery insurance also extends worldwide, so your items are protected wherever you choose to travel. The maximum value of jewellery that can be insured on one policy is £30,000, so you can add several pieces of jewellery to one simple-to-arrange policy. The maximum value per item on the policy is £20,000.
Does my home insurance cover my jewellery?
Some household insurance policies will not provide cover for your jewellery outside of the home, meaning that your valuable items could be unprotected when you are wearing them. Most home insurance policies require you to specify items over a certain value in order for them to be covered under the policy. This can be expensive and claims can impact on your no-claims bonus, which may drive up the cost of your annual premium. Our bespoke jewellery insurance provides you with an efficient and cost-effective solution – all the cover you need and the best value premiums.
What type of jewellery can I insure?
We insure any item with a value between £1,000 and £20,000 and jewellery collections with a combined value of up to £30,000. We cover engagement and wedding rings, diamond rings, necklaces, bracelets, earrings, tiaras, brooches, charms, lockets, bangles, armlets, pendants and chokers.
How much does jewellery insurance cost?
The cost of our jewellery insurance depends on several factors, such as the value of your jewellery, your age and your location. We also offer a Lowest Price Guarantee as we’re confident that you won’t find the same cover cheaper elsewhere – and if you do happen to find the same cover within 14 days of taking out your policy, we’ll refund the difference.
Do I need to get my jewellery valued?
When you’re taking out jewellery insurance, it’s important to know how much your items are worth. In the first instance, you should ideally have a receipt which details how much you paid for your jewellery. However, if you don’t have this, or your items have increased in value since you purchased them, it’s essential to obtain an accurate, up-to-date valuation of your jewellery before taking out insurance. Otherwise, your claim will be affected if you’re unable to provide evidence of the value of your item(s).
You should get your jewellery valued by the National Association of Jewellers as you will need to provide us with a valuation from within the last 3 years if you ever need to make a claim. There are over two thousands NAJ members across the United Kingdom and Ireland, which you can find by clicking here.
Tips to help keep your jewellery safe
There are several measures you can take to protect your jewellery. These include:
Why take out our specialist jewellery insurance?
At Ripe Insurance for Valuables, we offer bespoke jewellery insurance which is quick and easy to buy. Unlike other insurers, we cover your jewellery against loss*, theft and accidental damage both in the UK and worldwide. What’s more, you can insure up to £30,000 of jewellery with us on one policy, provided the value of any individual item doesn’t exceed £20,000. To find out more about our specialist cover for jewellery collections, get an instant online quote with us today.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Insurance Booklet (PDF 374 KB)
Terms of Business*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.
