Specialist insurance for jewellery you wear, collect and treasure, with cover at home and worldwide.
Up to £20k per item
Up to £50k combined cover
UK customer service team
£0 excess option
Underwritten by Hiscox Insurance Company Limited
High Value Jewellery Insurance
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Why choose Ripe for Jewellery Insurance?
Ripe arranges specialist cover for UK jewellery owners, underwritten by Hiscox. Rated “Excellent” on Trustpilot and Smart Money People, and with a UK customer service team available to answer your questions, you can choose your excess and list different pieces together on one policy.
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Single item jewellery insurance
Insure one eligible piece without needing to cover a wider collection, with up to £20k cover per item.
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Cover for your jewellery collection
Bring several pieces together with up to £50k combined cover. Insure more than one eligible item and receive a 10% multi-item discount.
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Worldwide cover included
Wear your jewellery at home or take it abroad, with worldwide cover included as standard.
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Choose a £0 excess
Select the £0 excess option so there is no excess to pay towards a successful claim.
Specialist jewellery insurance by Ripe
Jewellery often marks important moments in life. Rings, watches and treasured pieces are worn, gifted and passed down. Daily wear, travel and special occasions can all increase the risk of loss or damage.
Jewellery insurance by Ripe is designed to help protect your valuable pieces wherever you are, helping protect what matters most to you.
What does jewellery insurance by Ripe cover?
A damaged pendant, stolen bracelet or accidentally broken earring could leave you facing repair or replacement costs. Jewellery insurance by Ripe offers up to £20k per item and £50k combined cover, with worldwide cover and a £0 excess option.
Single item cover up to £20k
Multi-item cover up to £50k combined
Accidental damage
Malicious damage
Theft
Loss, subject to conditions
Worldwide cover
Repair or replacement
£0 excess option
Loss isn't covered where the item was not purchased or insured in the last 60 days, subject to conditions
Unexplained loss or disappearance
Wear and tear or gradual deterioration
Mechanical or electrical faults
Damage caused by cleaning, repairs or routine maintenance
Items hired out or loaned to others
Loose or unmounted gemstones
Imported items without the required UK customs duty payment or evidence
For the more information on what is and isn’t covered, please visit our Important Documents page.
Types of jewellery covered by specialist jewellery insurance
Specialist jewellery insurance by Ripe can cover a wide range of different high-end jewellery items, whether they’re made from silver, gold, or diamonds.
If you own an item of jewellery that is not listed below, you may still be able to arrange cover for it, provided it has a value between £1k and £20k.
Tips for keeping your jewellery safe
Alongside following the specific conditions of your jewellery insurance, there are a few simple steps you can take to ensure your precious items stay safe:
Store items securely—use a lockable, fireproof safe at home to protect your jewellery from theft or damage.
Use home security systems—invest in high-quality security systems with cameras, alarms, and motion sensors for added protection.
Remove jewellery in risky situations—avoid wearing high-value items in high-risk environments, such as while exercising, travelling, or working, and keep them in a locked safe instead.
Keep records of your jewellery—document detailed descriptions and photographs of your jewellery for easy reference when filing a claim on your jewellery insurance.
Regularly update your jewellery insurance—ensure your policy reflects the current value of your collection through professional appraisals and that any valuation is in line with your insurance conditions.
Avoid posting items on social media—sharing images of high-value jewellery can inadvertently attract thieves and put your items at risk.
Jewellery Insurance FAQs
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Standard house insurance policies won’t usually cover loss of your jewellery away from the home, or any single item over £1k-£2k, without an add-on at an additional cost.
Standalone jewellery insurance covers theft, loss, and damage both at and away from home.
Policies by Ripe also include Worldwide cover as standard, meaning the insurer will repair or replace your items up to £20k per item, with a total combined value of £50k if you’re insuring more than one item, even if the incident occurs abroad.
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Standard travel insurance policies generally cover your jewellery, provided none of your items exceed the single-item limit (which can be as low as £200-£300). That’s why, if you have high-value jewellery, you may want to consider getting standalone jewellery insurance to help financially protect your high-value items.
Please note: Jewellery insurance should not be treated as a replacement for travel insurance.
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Jewellery isn’t always just valuable, it’s often sentimental, too. Whether it’s your engagement ring, a family heirloom, or a special gift, losing or damaging it can be heartbreaking.
Specialist jewellery insurance can help protect your treasured pieces against theft, loss, or damage, giving you peace of mind wherever you go. If you want the reassurance that your jewellery is covered at home, away, and even worldwide, you might want to consider insurance.
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The cost of your jewellery insurance policy depends on a few factors, such as:
your age
your location
the value of your jewellery
You can get an instant online quote to learn the cost of your cover.
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Yes, you can take out jewellery insurance for a single item valued between £1k and £20k through Ripe. The policy helps provide protection against accidental damage, theft, and loss, both at home and abroad, with worldwide cover included as standard.
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It depends on your insurance provider, but typically every two to five years. At Ripe, we deem a jewellery valuation valid if it was completed within the last 3 years by a NAJ-registered valuer.
Explore more information on our jewellery valuation guide.
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Yes. Single item jewellery insurance by Ripe lets you cover one eligible piece valued between £1k and £20k, without insuring a whole collection.
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Yes, eligible gold necklaces, chains, bracelets, earrings and other wearable pieces can be insured. This is jewellery cover, rather than insurance for investment gold or bullion.
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You may still be able to arrange cover. A professional valuation can help establish what the pieces are worth and support evidence of ownership. Where a valuation is required, it must have been completed within the last three years by a National Association of Jewellers Institute Registered Valuer.
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Content reviewed: February 2026
Content reviewed by: Sean Carney
Why consider high-value jewellery insurance?
The jewellery you wear regularly can be subject to accidental knocks and theft, while pieces saved for special occasions can still be damaged when you take them out.
Repairing a delicate setting or replacing a valuable piece could cost more than you expect.
Jewellery insurance by Ripe can help financially protect you in situations such as:
Your necklace catches on something, accidentally damaging the chain or pendant.
You drop an earring while putting it on, damaging its setting or gemstone.
Your bracelet is stolen while you’re wearing it, leaving you facing replacement costs.
A brooch is accidentally crushed, bending the pin or damaging its design.
Your jewellery is deliberately damaged by someone else, leaving you with a repair bill.
You can arrange cover for a single eligible item or several items on a single policy. Get a jewellery insurance quote today.