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Jewellery insurance

Specialist 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 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:

  • Storing all precious items out of sight in your home, in a secure place such as a safe or cabinet. Never leave them on display, or anywhere which is easy for thieves to find.
  • Taking photographs of your jewellery, which you can show us if something happens to any of your items.
  • Keeping hold of all receipts for your jewellery as proof of purchase. If you don’t have a receipt, an NAJ jeweller valuation must have been carried out within the last three years.
  • Not wearing your jewellery in situations where it could get damaged, such as when swimming, exercising or doing any manual work.
  • Not advertising expensive items of jewellery on social media.
  • 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.

    You need an up-to-date valuation of your jewellery in order to make a claim. Find out how to get your jewellery valued.

    *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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